Mastering the volatility of global flood risk
Outdated, low-resolution flood maps obscure true exposure and threaten portfolio solvency. Cotality delivers high-fidelity, probabilistic flood modelling that transforms uncertainty into a competitive advantage for insurers, reinsurers, and ILS investors.
Granular modelling for high-stakes decisioning
Move beyond traditional flood zones. Our platform utilises advanced hydraulic modelling and high-resolution digital elevation models to provide a 360-degree view of risk. From pluvial flash flooding to complex storm surges, we capture the physical realities of risk with scientific precision and granularity.
$32B
Cotality estimated flood loss from Hurricane Helene in 2024
70%
of total flood damages in the US are outside the Special Flood Hazard Area (SFHA) zones
$ 3.4T
reconstruction cost value of US homes with severe to extreme risk of flooding
Engineered for absolute risk clarity
Master Multi-Peril Complexity
Capture every flood vector—from coastal surge and wave action to riverine and pluvial hazards. Our high-fidelity engine delivers a granular, unified view to eliminate protection gaps across global portfolios.
Precision Beyond Averages
Eliminate the margin of error inherent in regional smoothing. By aligning real-time river flow dynamics with granular water elevations, we deliver high-fidelity risk differentiation at the individual asset level.
Unified Peril Integration
Synchronise surface flooding with hurricane stochastic models to capture the total wind-plus-flood loss footprint. Our adaptive financial engine isolates or combines perils to ensure precise policy-level solvency.
Architectural Agility
Streamline risk transfer with standardised APIs and secure cloud scalability. Our catastrophe modelling platform Navigate eliminates technical friction, integrating high-fidelity flood catastrophe outputs into existing workflows for real-time, mission-critical decisioning.
Master environmental volatility with the US Flood Model
In an era of rapid urbanisation and shifting sea levels, yesterday’s risk data is a liability. The Cotality U.S. Flood Model empowers insurers to move beyond static snapshots, providing a methodology that evolves alongside the environment.
Secure the long-term continuity of your portfolio with high-fidelity insights designed to master the future of North American flood risk.
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