Fathom was built on a commitment to radical scientific transparency – every method we build undergoes rigorous peer review rather than hiding within a black box. We’ve long advocated for open data standards and multi-model views of risk, and now we’ve put this into action.
We’ve made the UK region of our flagship Global Flood Cat model available free of charge.
Giving risk teams access to our UK model allows you to build a robust primary view of UK flood risk or benchmark our model directly against incumbent models at zero cost.
Free access doesn’t mean a stripped-back product. Built on Fathom’s award-winning, peer-reviewed terrain and flood hazard datasets, the model delivers uncompromising accuracy and resolution.
Fathom’s UK flood cat model capabilities:
All major flood perils
Pluvial, fluvial and coastal coverage at ~30m resolution.
Customizable toolkit
User-defined vulnerability, hazard scaling and local defense specifications.
Physics-based and validated framework
A consistent, physics-driven methodology underpinned by peer-reviewed science and extensive industry validation.
Forward-looking climate risk
Represent projected financial losses across plausible future climate scenarios.
Transparent methodologies
Clear, open and science-led methodologies underlying every layer of data.
Treatment of uncertainty
Comprehensive handling of model uncertainty, including allowances for nil claims and total loss.
Built for insurers & reinsurers: How to leverage Fathom’s UK model
Designed specifically for underwriters, catastrophe modelers, and exposure managers, Fathom’s UK flood cat model provides the scientific fidelity required to make confident risk decisions.
- Underwriting & pricing precision: Evaluate site-specific and portfolio-level risk with unconditioned physics models, accounting for localized flood defenses and building vulnerability.
- Portfolio stress-testing & climate reporting: Seamlessly model physical risk under current conditions and future warming scenarios to support TCFD, ORSA, and regulatory compliance requirements.
- Benchmarked against market data: Rigorously evaluated against observed UK risk levels and benchmarked against leading industry models, giving you a battle-tested view of risk right out of the box.
- Glass-box confidence: Eliminate black-box uncertainty. Access full methodology documentation to understand why the model yields specific loss outputs.
Beyond the UK: One framework for global risk
The UK model is a regional slice of Fathom’s flagship Global Flood Cat model.
By evaluating our UK data, you are testing the exact same underlying architecture, terrain, and physics engine that powers our global coverage. If your portfolio extends beyond the UK, Fathom offers seamless, consistent modeling across every continent – enabling multi-region risk management without switching platforms, data standards, or methodologies.
- Global consistency: Expand your license to North America, Europe, Asia-Pacific, or worldwide with zero format friction.
- Unified climate scenarios: Run identical climate risk scenarios globally to compare asset vulnerability across multi-national portfolios.
Interested in exploring additional regions? Get in touch with our team today.
What industry leaders say
Quote from Dr Oliver Wing:
“Making the UK region of our flagship global model freely accessible moves multi-model views of risk from aspiration to reality, allowing the market to harness the quality of Fathom’s peer-reviewed flood science within their direct workflows equips insurers, lenders and asset managers with independently validated risk intelligence to build true long-term resilience.”
Quote from Dickie Whittaker, CEO of Oasis LMF:
“Risk modelling thrives when it is open, transparent and accessible. Fathom’s decision to make their UK model freely available aligns completely with that ethos. Removing commercial friction from high-calibre science gives practitioners genuine choice and strengthens the entire open-modelling ecosystem.”
How to access Fathom’s UK flood catastrophe model
Fathom’s UK flood catastrophe model slots seamlessly into your existing workflows. Built with open data standards in OED format, Fathom’s cat model can be accessed via:
Ready to elevate your view of UK flood risk?
Request access to Fathom’s UK cat model and start analyzing risk in your platform of choice today.
