Geosapiens Launches Its Canada-Wide Hail Model

Geosapiens Launches Canada Hail Risk Model to Help Insurers Understand One of the Country's Costliest Severe Weather Perils 

The new model turns hail-prone storm environments into practical risk scores, maps, and API-ready intelligence for underwriting, pricing, and portfolio management. 

Geosapiens today announced the launch of its Canada Hail Risk Model, a new addition to the company's climate risk intelligence suite that helps insurers assess hail exposure across the country. The model provides a national view of a sudden, localized, and costly peril, supporting clearer decisions across underwriting, pricing, claims, and portfolio management.

Hail rarely gives much warning

A storm can build quickly, drop damaging hail over a narrow path, and leave behind severe losses in minutes. On August 5, 2024, Calgary was struck by the costliest hailstorm in Canadian history, causing roughly $2.8 billion in insured damage in under 30 minutes. Events like this show why hail can no longer be treated as a secondary severe-weather concern. It is a concentrated, portfolio-relevant risk that can affect roofs, vehicles, commercial properties, agricultural assets, and claims operations at the same time. 

“Hail can feel sudden and unpredictable, but insurers still need a reliable way to see where exposure is building. With this launch, we are connecting climate science to daily insurance decisions and turning complex environmental risk into practical intelligence.”

Hachem Agili, CEO, Geosapiens 

Built for the way insurers make decisions 

The Canada Hail Risk Model moves hail assessment beyond scattered loss history and broad regional assumptions. It translates hail-favorable environments into a comparable risk score that can be used inside insurance workflows, explored through a peril map, returned through an API, and applied consistently across provinces, territories, and mixed portfolios.

The model reflects the fact that hail is not distributed evenly across Canada. The Prairies remain central to the country's hail story, especially the well-known hail corridor in Alberta, while Saskatchewan, Manitoba, and parts of Southern Ontario also show meaningful exposure. For insurers, this matters because hail risk is shaped by both the atmosphere and the built environment. A localized storm over a growing urban area can create a very different financial outcome than a similar storm over a sparsely exposed region. 

Geosapiens combines observed hail history with atmospheric signals associated with damaging storms, then converts that science into an operational layer that is easy to read and integrate. The product provides hail risk scores from 1, indicating minimal risk, to 10, indicating the highest modeled risk, so teams can act without sorting through technical assumptions each time they need an answer.

“Hail is difficult to model because damage is often very local, while the storm environment that produces it is much broader. Our team focused on capturing those signals and translating them into a simple layer that can support an underwriting desk, a portfolio dashboard, or an API workflow. The goal is to give users a score they can trust and act on.”

Dr. Chiranjib Chaudhuri, Chief Research Officer, Geosapiens 

From risk awareness to practical action 

The Canada Hail Risk Model is built for day-to-day insurance use. Underwriters can add a location-level view of exposure, pricing teams can compare regional patterns, portfolio managers can identify accumulations in hail-prone areas, and claims teams can plan resources around regions more likely to experience damaging convective weather.

The product is also designed for integration. Users can visualize hail exposure across Canada in Geosapiens' platform or embed the same score into internal tools, rating workflows, portfolio dashboards, and customer-facing applications through the API.

The hail risk score can support key insurance workflows:

• Underwriting: Adds a consistent hail exposure metric to property-level and regional risk assessments.

• Pricing and Segmentation: Supports more accurate risk differentiation across markets and portfolios.

• Portfolio Management: Identifies concentrations of exposure in hail-prone regions before losses accumulate.

• Claims Readiness: Helps teams prepare for areas where severe hail events are more likely to generate surges in claims activity.

• Digital Integration: Embeds hail intelligence directly into existing systems and tools through API-based workflows.

Why this launch matters now 

Severe convective storms are becoming a larger concern for the insurance industry, not only because of individual event losses, but because of the uncertainty they introduce into underwriting and portfolio planning. Hail is especially challenging because it is sharp in space and time: one neighborhood may see major damage while another nearby area sees little impact. That makes a consistent risk view valuable for companies trying to make better decisions before the next storm season. 

With this launch, Geosapiens expands its climate risk intelligence capabilities into hail, complementing the company's broader work in flood, wildfire, and extreme climate hazards. The Canada Hail Risk Model reflects the company's core belief that climate analytics should not remain locked inside technical reports. It should be accessible, explainable, and useful for the people who need to make decisions under uncertainty. 

The Canada Hail Risk Model is now available for insurers and partners seeking to strengthen their view of hail exposure across Canada. To learn more or request a demonstration, contact the Geosapiens team. 

About Geosapiens 

Geosapiens is a climate risk intelligence company helping insurers, governments, financial institutions, and organizations understand and act on natural hazard risk. By combining geospatial science, climate data, and practical decision tools, Geosapiens transforms complex environmental information into clear insights for underwriting, planning, resilience, and risk management.