Severe Convective Storm Modeling

Severe convective storm modeling

Forecast the fury. Focus the response.

Tornadoes, hail, and straight-line winds drive billions in annual losses across the U.S.—yet their volatility makes them one of the hardest perils to model. As these events become more frequent and severe, insurers need precise, science-driven tools to keep pace with changing risk and protect exposed portfolios.

Aerial view of damage from a severe convective storm

Sharper risk alignment

Get closer to real-world loss outcomes with granular modeling that captures the true impact of hail, tornadoes, and wind—supporting more accurate underwriting and pricing decisions.

Powered by forensic data

Leverage unique forensic hail and wind data to better understand past events, track emerging trends, and stay ahead of severe weather volatility.

Built for scale and speed

Engineered for re/insurers, our model delivers detailed output fast—enabling confident risk selection, efficient portfolio management, and improved risk transfer strategies.

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U.S. Severe Convective Storm Model

Built for today’s storms. Calibrated for tomorrow’s risk.

The Cotality SCS Cat Model delivers real-world clarity—aligning to actual loss trends with forensic hail and wind data. It helps you pinpoint exposure, sharpen risk decisions, and build smarter, more efficient strategies for storm-driven loss.

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110.50%

The net combined ratio for the homeowners business in 2023 driven by SCS events, the highest in 15 years.

$50B

in losses in 2023 lone from severe convective storm events

4

insurers impaired by catastrophe losses were affected by severe convective storms in 2023

Forecast the fury. Focus the response.

Sharper risk alignment

Powered by forensic data

Built for scale and speed

U.S. Severe Convective Storm Model

Built for today’s storms. Calibrated for tomorrow’s risk.

110.50%

$50B

4

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