Risk Scores

Powerful flood risk metrics for any global location, under any climate scenario

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Risk Scores, developed as part of our Global Flood Map, offer a simple yet powerful way to compare the flood risk for assets across your portfolio. They are used by risk professionals when detailed flood depth data is not required or is too complex and time consuming to process for a particular risk workflow. Available in two forms, Relative Risk and Risk Category, the metrics are designed to deliver a consistent method of understanding how flood risk varies from one location to another. 

The scores enable a detailed view of the risk to a single asset as well as a high-level view of the risk to an entire portfolio. The data has a wide range of uses across insurance, engineering, international development and financial markets. They can be utilized in risk management and reporting, including portfolio screening, investment due diligence, pricing or valuing of assets, underwriting, and regulatory compliance. The Scores offer flexibility to the user, allowing them to select any set of asset locations, for any major flood peril or time horizon, for any climate scenario, for any point on the planet. 

Risk Scores distill a huge amount of information into simple and easy-to-consume metrics enabling a clearer and more efficient approach to risk assessment. Risk Scores can help you to understand:

Key features of Fathom’s Risk Scores


Multi peril

Choose between several different sub-peril combinations including single peril, inland or all perils


Climate Dynamics

Users can access climate conditioned flood hazard data for any projected combination of future year and climate scenario up to 2100



Available via Fathom API, Fathom Portal, direct provision, or partners

Discover Fathom’s options for access


Metric type

Available in two variations: Relative Risk and Risk Category


Powerful yet simple

Distilling information from: depths at a range of frequencies, depth/damage relationships, defense fragility and standards of protections into easy to consume scores


Validated, scientifically robust

Fathom’s methodology is underpinned by the science of flood modeling. It’s transparent and peer-reviewed in the most authoritative academic journals

How can risk scores help?

Portfolio profiling

Quickly assess the riskiness of any asset, book or portfolio and understand the locations which drive that risk. 

Investment due diligence / risk screening

Screen the risk at a location before making decisions to ensure that you are investing in resilient assets that will withstand future changes.

Asset pricing and valuation

Determine the level of risk and establish appropriate pricing and valuation models for any location, account or portfolio using risk scores.


Use Risk Scores in conjunction with underwriting authority, to control the amount of flood risk an insurer takes on.

Discover how leading international businesses are applying Fathom’s data to their projects

Relative Risk - Fathom's Risk Scores on a flood inundation map

About Relative Risk

Relative Risk combines flood depth, frequency, sub-peril and defense information. The result is a number that ranges from 0 to 1,000,000 and can be used as an Annual Average Loss, for a uniform exposure type, to determine the flood risk at any given point on the planet.

Depending on your needs, Fathom can provide Relative Risk as several different sub-peril combinations:

  • Single peril (fluvial, pluvial or coastal)
  • Inland only (fluvial & pluvial)
  • All perils (pluvial, fluvial, coastal)

About Risk Category

Fathom Risk Category utilizes Relative Risk along with information about locations outside but proximate to floodplains. This produces a metric ranging from 0 (least risk) to 100 (maximum risk). Risk Categories are assigned as follows:

  • Grid cells outside the 1000-year flood but within 500m of it are categorized based on land height above the extreme flood, resulting in Risk Categories 1 to 5
  • Grid cells inside the 1000-year flood are categorized based on relative risk, resulting in Risk Categories 6 to 100
Risk Category - part of Fathom's Risk Scores. Overlaid on a flood inundation map.

Accessing Fathom’s Risk Scores

Fathom API

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Fathom’s API is a cloud-based solution for data provision that enables users to access Fathom data on-demand directly.

Fathom Portal

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Fathom’s Portal is an interactive platform that enables users to host, view and analyze data, without the need for an in-house platform.

On premise

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Fathom’s products can be provided directly as a set of GeoTIFF files and hosted on premise.


Fathom partners

Fathom data is available through a range of partners.