Inland flood risk modeling

Physical flood science built for modern insurance portfolios

KatRisk’s inland flood risk modeling combines advanced hydraulic methods with high-resolution terrain data to simulate how water actually moves across landscapes. The model captures pluvial and fluvial, enabling insurers to evaluate flood exposure at property and portfolio scale across the the U.S., Canada, Mexico, Central America, the Caribbean, Europe, Australia and New Zealand.

Trusted by insurers and reinsurers worldwide

KatRisk catastrophe models support underwriting, exposure management, and portfolio analytics across global insurance and reinsurance markets.

Why KatRisk for inland floods

Physical flood modeling designed for real-world insurance decisions.

As the global leader in flood risk modeling, KatRisk’s inland flood model uses physical hydraulic and hydrologic simulation, moving beyond statistical approximations to represent how flood events behave across diverse terrain and drainage systems.

This approach enables insurers to evaluate flood exposure with greater clarity at the property, portfolio, and regional level.

Key capabilities

Advanced hydraulic and hydrologic modeling

KatRisk’s inland flood model simulates flood behavior using physically based hydraulic and hydrologic modeling, enabling realistic representation of river flooding, surface water accumulation.

High-resolution terrain data

Flood hazard modeling is supported by 10-meter resolution terrain data in the U.S., Canada, Australia, and New Zealand, and 10–30 meter data across Europe, Central America, Mexico and the Caribbean, enabling detailed property-level flood insight.

Multi-driver flood representation

The model captures multiple inland flood drivers including:

Riverine (fluvial) flooding
Surface water and rainfall-driven (pluvial) flooding

Climate variability and correlated events

Flood hazard modeling incorporates climate-driven variability and correlations across regions and perils, delivering a more realistic representation of flood risk across portfolios.

Speed designed for operational workflows

Loss analytics run up to 30× faster, enabling rapid underwriting analysis, pricing evaluation, and portfolio scenario testing.

Risk Rating 2.0

KatRisk has served as the risk modeling calculation agent for $2.2B in FEMA/NFIP catastrophe bonds and has supported climate risk studies with organizations including Milliman, NRDC, and McKinsey.

Build confidence in your flood risk decisions

Flood losses are rising and so is the complexity of modeling them. KatRisk gives you the granular insights you need to price risk confidently and grow your portfolio responsibly.