Transform flood underwriting with high-fidelity data
Relying on outdated FEMA maps leaves your portfolio exposed. In flood underwriting, the difference between profitability and catastrophe is measured in feet. Deploy granular, probabilistic models to identify hidden volatility and accurately price the most resilient properties.
Master the science of inland and coastal flooding
Move beyond binary "in or out" zone logic. Cotality provides granular 1–100 scores for pluvial and fluvial events. By integrating machine-learning-derived first-floor height data, you can quantify potential loss severity with unprecedented accuracy across your entire portfolio.
Scalable data infrastructure powered by Cotality
Explore the specific technical products, APIs, and data modeling frameworks that drive our core Flood Risk Score solution. Integrate property-level intelligence directly into your existing underwriting workbench.
Coastal Distance
First Floor Height
Flash Flood Risk Score
Flood Risk Score
Coastal Storm Risk Score
Sewer Backup Risk Score
Eliminate basis risk with high-fidelity flood analytics
Modern flood risk management requires more than static mapping. Cotality’s Flood Risk Suite empowers underwriters to bridge the gap between regional hazard data and property-level vulnerability. By utilizing probabilistic modeling, carriers can move away from broad territorial exclusions and toward precision pricing. Our high-fidelity approach integrates machine learning and high-resolution imagery to estimate structural elevation, a primary driver of flood severity. This technical transparency is essential for risk re-analysis in the ILS market and ensuring capital providers have a granular understanding of portfolio exposure.
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