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Insurance Solutions

Formerly Moody’s RMS

Understanding inland flood risk

With 2.2 billion people, or 29 percent of the world population, living in locations that are expected to experience some level of inundation during a 1-in-100-year event, (re)insurers face growing concentrations and severity of risk. To develop a profitable book of business, they must understand and quantify what drives flood risk to develop more effective flood risk management strategies. Take a quick look at what drives inland flood risk in this video.

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Understanding Inland Flood Risk

Building a complete view of flood risk on risk modeler

Moody’s RMS Inland Flood Models capture all sources of flood risk, including fluvial and pluvial flooding, at the highest hazard resolution. In markets with coastal and inland flood risk, Moody’s RMS offers hurricane and extratropical cyclone models to help you build the most comprehensive view of flood risk.

Watch this video to learn about the importance of building a complete view of flood risk. We analyzed the losses from Hurricane Harvey to demonstrate how tropical cyclone-induced flooding contributed to more than 75 percent of losses.

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Building a Complete View of Flood Risk on Risk Modeler

flooded community

Discover our latest white paper, which finds that over 2.3 billion people are currently at risk of significant inland flooding, with another 240 million threatened by coastal flooding. This comprehensive study not only sheds light on the current vulnerabilities but also reveals a worrying trend of increasing exposure to flood risks. Understand the depth of these challenges and the implications for communities worldwide by exploring our in-depth analysis.

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Regional Models

Click a region on the interactive map to see coverage.
See Global Model coverage
Global Map
North America Flood Models
Europe Flood Models
  • Austria

  • Belgium

  • Czech Republic

  • France (including Monaco)

  • Germany

  • Hungary

  • Ireland

  • Italy (including San Marino and Vatican City)

  • Liechtenstein

  • Luxembourg

  • Poland

  • Slovakia

  • Switzerland

  • United Kingdom

Asia-Pacific Flood Models
  • China

  • Hong Kong

  • India

  • Indonesia

  • Japan

  • Macau

  • Malaysia

  • New Zealand

  • Philippines

  • Singapore

  • South Korea

  • Taiwan

  • Thailand

North America
Latin America
Europe
Asia-Pacific
North America Flood Models
Europe Flood Models
  • Austria

  • Belgium

  • Czech Republic

  • France (including Monaco)

  • Germany

  • Hungary

  • Ireland

  • Italy (including San Marino and Vatican City)

  • Liechtenstein

  • Luxembourg

  • Poland

  • Slovakia

  • Switzerland

  • United Kingdom

Asia-Pacific Flood Models
  • China

  • Hong Kong

  • India

  • Indonesia

  • Japan

  • Macau

  • Malaysia

  • New Zealand

  • Philippines

  • Singapore

  • South Korea

  • Taiwan

  • Thailand

What are the benefits of high-precision flood coverage across the globe?

Moody’s RMS is the only catastrophe flood modeling partner that models 80 percent of global property gross written premium using a fully probabilistic approach that includes robust event sets and each model component validated by extensive local loss data. For flood risk outside of these markets, our innovative set of Global Flood Maps offers advanced machine learning insights built on a wealth of flood hazard data. With Moody’s RMS flood models and maps, the Moody’s Global Flood Solutions Suite covers 100 percent of global gross written premium. Our unified approach to flood risk provides consistency across your business, helping you manage flood complexity, close the insurance gap with confidence, and build a comprehensive global portfolio.

Why are most Moody’s RMS Flood Models run on Risk Modeler?

Flooding can develop from multiple types of weather systems, persist over a period of days to weeks, and have localized to widespread impacts across borders. Capturing all spatial and temporal correlations and building robust views of risk with converging tail losses requires a powerful simulation-based approach and large stochastic event sets. As a high-gradient peril, flood modeling also requires analyzing detailed hazard and exposure data to understand building-level flood risk. To build the most realistic view of risk, Moody’s RMS models use the HD methodology only available on Risk Modeler™. This highly scalable, flexible, cloud-native application enables (re)insurers to access all their flood models using a single application running on shared data architecture without capacity or compute concerns.

How is climate change incorporated into your flood models?

Moody’s RMS Flood Models are calibrated using recent data to reflect current climate conditions. We continually review the latest scientific research on climate change to ensure that our models reflect the latest scientific consensus. Moody’s also offers Climate Change Models that extend our industry-leading, comprehensive catastrophe models to capture the near- and long-term climate change risk outlook.

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