Floods are the most frequent and costly natural disaster in many parts of the world, and the risk is increasing with climate change and continued development in vulnerable areas. Accounting for the complex variables that give rise to damaging floods can help you make informed decisions, develop effective risk management strategies, and discover profitable business opportunities.

Realistically capture inland flood risk.

High-resolution rainfall and river flow simulation, and an advanced physically based hydraulic model are used to estimate flood extent and location-level flood depth, both on and off the floodplain. Our state-of-the-art models account for the unique circumstances that contribute to flood risk, providing insurers with a highly detailed, probabilistic approach for underwriting and managing this complex risk. 

Take a look back at the 2021 floods in Germany

Understand the vulnerability of your exposures.

Regional variation in construction practices can have a major impact on losses. Region-specific damage functions capture the unique vulnerability of different building types, and users can input additional information such as first floor elevation, foundation type, and flood protection measures for more realistic loss estimates.

Explore our flood model for the U.S.

Evaluate off-floodplain risk.

Intense rainfall can result in flash flooding even off the floodplain. Verisk models account for the factors that contribute to off-floodplain losses, including surface runoff, drainage backups, and other urban risks.

Discover our Japan inland flood model

Expand your profit potential.

There is a substantial protection gap for flood coverage. Reveal new business opportunities with risk-based, location-level underwriting intelligence.

Learn more about the flood insurance landscape

Separate flood occurrences in space and time.

Identifying individual flood events is often not a straightforward endeavor, given the complex meteorological and hydrological conditions that contribute to flooding. Our simulation methodology allows flood events to be defined in a way that is consistent with typical hours clauses in flood contracts.

Learn more about flood event definition

Recognize the chance of flood defense failure.

Our probabilistic approach incorporates comprehensive data on levees, dikes, and other custom flood protection measures, and quantifies the likelihood and impact of their failure.

Explore our flood model for Central Europe

Visualize your flood risk.

Probabilistic flood hazard maps in Touchstone® help you manage accumulations, determine if a risk meets underwriting guidelines, and develop effective risk transfer strategies.

Explore flood hazard maps in Touchstone

Verisk currently offers flood models for:




You’re almost done.
We need to confirm your email address.
To complete the registration process, please click the link in the email we just sent you.

Unable to subscribe at this moment. Please try again after some time. Contact us if the issue persists.

The email address  is already subscribed.

You are subscribing to AIR Blogs. In order to proceed complete the captcha below.