Flood Models

See the flood exposure behind the risks you write. Separate river, surface-water, and coastal flood exposure. See how often flooding can occur, how deep the water can get, and what that exposure could mean financially.

Flood types

Comprehensive flood risk intelligence for underwriting, catastrophe analytics, and climate resilience.

Geosapiens' flood models provide property-level insights into the three primary sources of flood risk: river overflow (fluvial), intense rainfall and surface water accumulation (pluvial), and storm surge and coastal inundation (coastal). Built using high-resolution terrain data, advanced hydrological modelling, and geospatial analytics, these models help organizations better understand, quantify, and manage flood exposure across their portfolios.

Fluvial flood

Riverine flood risk driven by overflowing waterways.

The Fluvial Flood Model assesses flooding caused by rivers, streams, and other watercourses exceeding their capacity. By combining watershed characteristics, river network analysis, and high-resolution elevation data, the model identifies areas susceptible to riverine flooding and estimates flood hazard at the property level.

Coverage: Canada

Pluvial flood

Flood risk from intense rainfall and surface water accumulation.

The Pluvial Flood Model captures flooding that occurs when heavy rainfall exceeds drainage and infiltration capacity, causing water to accumulate on the surface. The model evaluates local topography, surface flow pathways, and rainfall-driven runoff to identify properties vulnerable to flash flooding, urban flooding, and ponding events.

Coverage: Canada

Coastal flood

Coastal inundation risk from storm surge and rising water levels.

The Coastal Flood Model evaluates flood hazards resulting from storm surge, coastal water level fluctuations, and shoreline inundation. Using detailed elevation data, coastal geomorphology, and hydrodynamic analysis, the model identifies assets exposed to coastal flooding and estimates potential flood severity.

Coverage: Global

Model outputs

Catastrophe model outputs designed for underwriting, pricing, and portfolio management.

Move beyond simple exposure indicators and access the metrics that drive catastrophe risk decisions. Geosapiens flood models deliver probabilistic hazard outputs including return periods, annual exceedance probabilities, flood depth estimates, and event severity metrics at the property level. Underwriters, actuaries, and portfolio managers can quantify both the likelihood and potential impact of flood events, enabling more informed pricing, risk selection, accumulation management, and portfolio optimization decisions.

Hazard score

A standardized measure of flood frequency.

Translate complex hazard metrics into an intuitive rating that reflects the likelihood of flooding at a location. Built from modelled flood return periods, the rating enables consistent risk comparison across individual properties, books of business, and entire portfolios.

Water depth

Event severity across multiple return periods.

Evaluate modelled flood depth across a wide range of return periods to understand how hazard intensity evolves from frequent to extreme events. Depth outputs support underwriting, pricing, exposure management, and loss potential assessments by providing a detailed view of event severity rather than a simple exposed/not-exposed classification.

Risk score

A standardized view of flood risk potential.

Combine hazard and vulnerability into a single risk metric. The Geosapiens Risk Score integrates flood frequency, inundation depth, and a standardized vulnerability profile to quantify the relative risk posed by a location. Designed for underwriting and portfolio analytics, it enables consistent comparison of flood risk across properties, regions, and books of business.

Financial loss outputs

Quantify expected and extreme loss outcomes.

Measure the potential financial impact of flood risk with AAL and PML estimates. Use standardized catastrophe-modelling outputs to compare exposures, assess loss potential, and manage portfolio risk across individual assets and aggregate portfolios.

The science behind the models

Models built to be challenged, validated, and trusted.

Geosapiens flood models are grounded in peer-reviewed science, rigorous validation, and transparent methodologies. We provide full transparency into the science behind our models, including methodology, data sources, assumptions, and validation results. Insurance teams can review the underlying research, challenge model outputs, and engage directly with the scientists responsible for model development, ensuring confidence in every risk assessment.

Model each flood mechanism for how it actually behaves.

Fluvial: Hydrological and hydraulic modelling estimates river flow, flood extent, and water depth.

Pluvial: Rainfall and surface conditions are modelled to identify where intense precipitation can accumulate and create flooding.

Coastal: Tides, storm surge, extreme coastal water levels, and water propagation are used to estimate sea-driven inundation.

Back risk decisions with published evidence.

Geosapiens' flood science is supported by published research and validation against observed flood behaviour. Give actuarial, catastrophe modelling, and internal risk teams evidence they can examine rather than asking them to accept a black-box score.

Work with the experts behind the model.

Geosapiens brings together expertise in hydrology, climate science, geospatial modelling, AI, and software development. Work directly with those experts to review results, investigate edge cases, challenge assumptions, and understand model updates when a risk needs a closer look.

Access & delivery methods

Get climate risk intelligence wherever your decisions happen.

Some teams need a map-based view. Some need data. Some need scores inside quoting, renewal, or underwriting workflows. Use the same risk intelligence in the way your teams already work.

Portal

See the flood exposure before it enters your book.

Bring a property, a set of locations, or a portfolio sample to our meeting. See the flood source, depth, frequency, and relevant loss outputs behind the result.