For Banks, Investors & Data Platforms

Physical Risk Data
That Moves Capital.

Credit risk, real estate lending, infrastructure finance, and ESG disclosures all depend on flood exposure data that actually reflects physical reality — not statistical proxies.

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PORTFOLIO EXPOSURE SCAN
ASSET-LEVEL · PHYSICS-DERIVED
$20B+
Hidden physical flood risk
uncovered across pilots
4
Flood mechanisms modeled
per asset simultaneously
80%
Flood losses driven by
pluvial — most unmodeled
API
Ready integration with
existing risk platforms
The Capital Risk Gap

Statistical scores don't
measure physical loss.

Flood risk scores used in lending and credit analysis are built on historical frequency data — they tell you how often a zone has flooded in the past. They cannot tell you how deep, how long, or how damaging the next flood will be at a specific collateral address.

A 1-inch flood for 2 hours does not impair a building. A 3-foot flood for 22 hours destroys it. Only physics-based simulation distinguishes the two.

Flood Dynamics produces the physical parameters — depth, duration, velocity — that financial models require to properly price, reserve, and disclose flood risk at asset level.

WHAT LEGACY SCORES DELIVER
Zone probability
≠ asset depth
Historical frequency
≠ forward loss
Coastal + riverine only
80% of risk: unmodeled
FLOOD DYNAMICS OUTPUT
Depth at address
ft / cm / m
Duration at address
hours above threshold
All 4 mechanisms
pluvial included
Use Cases

Five applications for
capital markets teams.

Mortgage & Real Estate Loan Underwriting
Assess collateral flood exposure at physical depth and duration — per address. Inform LTV adjustments and flood insurance requirements with real physics.
Credit Risk
Infrastructure & Project Finance
Model flood exposure across the full operational life of infrastructure assets — power, water, transport — to inform project finance risk assessments and covenants.
Project Finance
Climate Risk & TCFD Disclosure
Physics-derived flood exposure data for TCFD, ISSB, and SEC climate risk disclosure requirements — defensible numbers that satisfy audit and regulatory scrutiny.
ESG / TCFD
Portfolio Stress Testing & Scenario Analysis
Stress-test your loan book or investment portfolio against 1-in-10, 1-in-100, and 1-in-500 year flood scenarios — identify concentration risk and correlated exposures.
Stress Testing
Data Platform Integration & API Access
Flood Dynamics output integrates directly with existing risk platforms via API. Depth, duration, and impairment scores per asset — enriching your data stack at scale.
Data API
THE FLOOD DYNAMICS DIFFERENCE

Others score probability. We model impact. Depth. Duration. Velocity. Cascade. At every asset in your portfolio. At every time step of the event.

DEPTH
ft / cm
DURATION
hours
VELOCITY
m/s
CASCADE
network
Get Started

Ready for physics-grade
flood exposure data?

We'll walk you through a sample portfolio run — actual depth, duration, and impairment scores at asset level. No probability scores. Real physics.

Request a Data Briefing →