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Severe Convective Storm Catastrophe Modeling

Mastering severe convective storm volatility

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.

Precision peril modeling

Quantify certainty in convective risk

Master the financial impact of hail, tornadoes, and wind with high-fidelity modeling. By integrating weather forensics and PhD-refined hazard data, we deliver precise AAL and PML metrics across entire portfolios. Align technical pricing with real-world storm behavior to protect solvency and drive technical profit.

110.50%

The net combined ratio for homeowners in 2023 driven by SCS—a threshold that signals structural unprofitability for carriers using legacy models

$50B

Annual insured losses from SCS events alone, transforming what was once a secondary peril into the primary driver of capital erosion

$17.8T

Total reconstruction cost value for U.S. properties exposed to moderate or greater hail risk, representing a staggering concentration of vulnerable capital.

High-fidelity modeling

Engineering resilience for an era of volatility

By integrating forensic data with high-performance execution, we empower you to align risk precisely, protect capital, and maintain technical profitability across even the most complex portfolios.
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Sharper risk alignment

Eliminate the discrepancy between models and reality. Deploy granular modeling that captures the distinct physics of hail, tornadoes, and wind to anchor underwriting in actual loss potential rather than historical averages

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Forensic data integration

Move beyond observation to interrogation. Leverage proprietary forensic hail and wind data to reconstruct past events and decode emerging volatility trends before they impact your solvency

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High-performance execution at scale

Navigate massive portfolios without latency. Our engine delivers high-fidelity output at the speed of the market, enabling rapid risk selection and the efficient execution of complex risk transfer strategies

High-fidelity modeling

US 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.

How can we help you?

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Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.

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