Introduction Fathom’s UK Catastrophe Model has been built in tandem with Fathom’s flood hazard data for the UK. The probabilistic model uniquely characterises the relationship between flood depth and damage in a variety of contexts. This includes the differentiation of damage in residential and non-residential buildings.

Key features of Fathom’s UK Catastrophe Model


10,000 years of flooding – Fathom-UK CAT represents a set of over 170,000 synthetic flood events spanning 10 millennia.


100% river channels – Representation of all river channels in the UK, regardless of size.


Fluvial, pluvial & coastal – Our UK catastrophe model has the ability to capture the unique impacts of varying perils, including storm surge and flash floods.


Alternative Living Expenses (ALE) – The indirect costs of evacuation, accommodation, and other expenses are explicitly modelled.


>10,000 Unique Damage Functions – Based on relevant combinations of building, peril and coverage characteristics.


Climate change – 3 time horizons for present day, 2030 and 2050.

Fathom launches climate-conditioned CAT model for the UK.

UK Catastrophe Model enables:

  • Complete representation of UK flood defences.
  • Loss calculations derived for both high-frequency and low-frequency events.
  • A consistent view of risk across the whole UK.
  • Realistic loss simulation.
  • Long and short duration flood damage differentiation.
  • Accurate determination of damages based on a property’s characteristics.
  • Generalisation of property characteristics in the absence of precise data.

Fathom’s UK Catastrophe Model can be accessed on:


Nasdaq’s Risk Modelling for Catastrophes is the first independent multi-vendor catastrophe risk modelling platform for the re/insurance industry.


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