For Insurers & Reinsurers

Stop Underwriting
Blind Flood Risk.

Actuarial precision requires physics-grade exposure data. We deliver depth, duration, and velocity — per asset, per scenario, per event.

Request Portfolio Exposure Demo See Pilot Results
PORTFOLIO RISK SCAN
DEPTH · DURATION · VELOCITY
$20B+
Hidden flood risk
uncovered across pilots
80%
Flood losses driven by
rain — not rivers or coast
15%
Premium reduction
from physics-grade data
4
Flood mechanisms modeled
simultaneously per asset
The Exposure Gap

Current flood models leave
catastrophic blind spots.

Statistical flood scoring was built for riverine and coastal events. But 80% of flood losses are pluvial — surface runoff driven by rain, not rivers. Your portfolio's pluvial exposure is almost entirely unmodeled.

Flood Dynamics models all four mechanisms simultaneously — pluvial, fluvial, coastal, and groundwater — at asset level, time-step by time-step. The result is actuarially usable exposure data that existing systems cannot produce.

LEGACY SCORING
Zone-based probability
No depth or duration
Pluvial: unmodeled
Cascades: invisible
FLOOD DYNAMICS
Asset-level depth + duration
All 4 mechanisms
Cascade propagation
Time-step resolution
PORTFOLIO EXPOSURE HEATMAP
LOW → HIGH EXPOSURE
What We Deliver

Physics-grade data for
underwriting and reserving.

Asset-Level Depth + Duration Scoring
Exact flood depth and duration at each insured asset — not zone proximity. Underwriting decisions backed by physical parameters, not statistical proxies.
Underwriting
Portfolio Aggregation & Scenario Analysis
Run 10-year, 50-year, 100-year flood scenarios across your full book. Identify concentration risk and correlated loss pockets before the event.
Portfolio Risk
Cascade & Systemic Loss Modeling
When road closures cut off emergency response, when power failures cascade through dependent assets — our impairment layer models secondary loss propagation.
Systemic Risk
Documentation-Grade Defensible Output
Physics-derived exposure reports that meet regulatory and reinsurance disclosure standards. Not probability scores — actual modeled physical parameters per asset.
Regulatory
Forward-Looking Climate Scenario Runs
Model how your portfolio's flood exposure changes under 2035, 2050, and 2075 climate projections. Inform reserve adequacy and long-term pricing strategy.
Climate Risk
Case Study
PILOT 02 — MIT, CAMBRIDGE MA
15%
In annual insurance premiums reduced after Flood Dynamics' physics-grade exposure data enabled MIT to challenge insurers' risk assessment and prevent policy cancellation.
Flood exposure modeling · Premium negotiation support · Coverage preservation

"The depth and duration modeling directly informed our insurance coverage strategy. Premiums reduced by millions — and we have the documentation to back every decision."

RISK & FACILITIES LEADERSHIP — MIT

When MIT's insurance renewals were threatened by aggressive risk scoring, Flood Dynamics' simulation produced the physical evidence needed to demonstrate that actual flood exposure was significantly lower than assessed — saving millions annually in premiums.

Get Started

See what your portfolio's
actual flood exposure looks like.

We'll model a sample of your book and show you exactly what legacy scoring is missing — asset by asset.

Request Portfolio Exposure Demo →