Compliance not assessment
FEMA built the flood zone for compliance. A zone marks a boundary on a map and it does not say anything about the building that’s on the ground.
UNDERWRITING & PRICING
Understand and price flood risk building by building
The private flood insurance market has expanded quickly while uptake stays low. Climate Central supplies the physical inputs to a flood pricing: entry floor elevation, coastal terrain, and historical loss record. Useful for primary carriers, MGAs, specialty and E&S flood writers, and reinsurers.
ProblemSolution
Price the building, not the zone.
Same zone, different terrain
Every area in a flood zone is treated as equal, even though the bare-earth height is not uniform across the zone.
Same zone, different thresholds
The building-entry floor height is not a uniform height across the zone and should not be treated as such.
Who uses it
Built for underwriting, pricing, and portfolio teams in property and flood insurance.
Banks and mortgage lenders
- Head of Mortgage Credit Policy
- VP, Enterprise Flood & Insurance Risk Management
- Head of Risk-Based Pricing
Insurance and reinsurance
- Chief Underwriting Officer
- Senior Property Treaty Underwriter
- Head of Pricing / Portfolio Actuary
Asset management
- Head of Real Assets Acquisitions
- Underwriting Lead
- Head of Credit Research
Government and public sector
- NFIP Risk Rating / Actuarial Lead
- Head of Loan Guarantee Programs
- Chief Actuary, State Insurance Dept.
Academics, NGOs, and multilaterals
- Investment Officer, Project Appraisal
- Disaster Risk Financing Specialist
- Head of Parametric & Insurance Solutions
Underlying research
What goes into developing the most precise data available? Explore these reports to find out.
Related products & tools
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Entry-Floor Elevations
Precise measurements of when floodwater will hit the important parts of a building.
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Coastal Flood Layers
Customizable sea level rise and coastal flood layers based on scenarios you select.
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How to get started
Our team can discuss coverage, delivery options, and licensing terms for Underwriting & Pricing groups.
See the Terms of Use for Disclaimers of Warranties and Liability. The use of the materials or information on this page is at your own risk and is provided “AS IS”. Please be further advised that some of the information and data provided herein are derived from a model and a prediction based on estimates, that there are inherent risks in relying on models, and that future data collection and processing technologies may change results.