FLOODGUARD
Insurance use case
Flood Risk Intelligence for Insurance
See how FloodGuard can support flood-risk assessment, underwriting and portfolio analysis.
Price flood into every policy you write.
FloodGuard gives insurers and reinsurers location-level flood intelligence — so flood is underwritten, accumulated and managed with an observed record behind every decision, not a district average.
UsesPastFuture
FloodGuard · Portfolio view
India › Gujarat · Maharashtra
Historical2050 · Mid
Illustrative · sample portfolio
Layers
District boundariesFlood riskInsured locationsExposure concentrationFuture scenario
Flood risk
LowHigh
Portfolio · sample
Locations in view—
In high / very high bands—
Largest concentration—
Mumbai Suburban—
Locations by risk band
Applications
Six applications across the insurance value chain
01Underwriting & pricing
Rate each location on its own flood history rather than a regional average.
02Portfolio accumulation
See where sum insured concentrates in high flood-risk bands.
03Climate stress testing
Test the portfolio against future flood scenarios.
04Crop insurance
Historical and future flood risk across agricultural districts and talukas.
05Reinsurance
Portfolio-level flood analysis for treaty and facultative decisions.
06Claims & event analysis
Understand affected areas after a flood to anticipate claims.
The use case we target
Location-level flood underwriting and accumulation control.
Our primary focus is property and crop portfolios in India, where flood is one of the largest — and least finely priced — perils on the book.
Who it's for
Insurers and reinsurers carrying Indian flood exposure
- General insurers writing property cover with flood and inundation perils
- Crop insurers working at district and taluka level
- Reinsurers and brokers assessing Indian flood accumulations
The problem today
Flood is priced on averages
Flood is often rated by pin code, district or state, so a site on a floodplain and one on high ground nearby can carry the same rate. Accumulations are tracked by sum insured per region — and concentrations only show up after the event.
What FloodGuard gives you
A flood view of every location
- A flood-risk band for each insured location, from the observed record
- Accumulation by flood band, district and taluka
- Future scenarios for climate stress testing
- Affected-area views after an event, to anticipate claims
Want to see it on your own portfolio?Request a Demo
Get started
Ready to explore FloodGuard?
Explorer
Explore for free.
Access district-level historical flood risk and begin exploring India's flood record. No sales conversation required.
Atlas + Live
Talk to the FloodGuard team.
For professional and enterprise access, contact our team to discuss your geography, use case, data requirements and deployment needs.