Make flood risk decisions driven by data, backed by scientists.
Fathom is proud to be open and honest about the methodologies that we use to build our flood hazard data and catastrophe models. With autonomy over every aspect of our product development, we can work flexibly with the insurance sector to support them in accurately understanding flood risk.
Our models incorporate decades of peer-reviewed research and science, further underpinned by the unique technological developments pioneered at Fathom. Our clients in the insurance sector have a significant advantage over their competitors owing to the quality of data that our team of world-leading scientists have produced.
Location level assessments
By deploying high-quality terrain data at granular spatial resolutions, our models for the UK and US can produce locally-relevant flood risk assessments.
The unique damageability of every type of building you insure is represented by our comprehensive database of vulnerability functions.
Alternative living expenses & business interuption
Understand not only direct flood damages to an asset but also the indirect costs of evacuation, accommodation and disruption to a business.
Future flood risk
Fathom’s climate-conditioned models are built using the latest regional climate projections. This enables you to understand the long-term risk of your portfolios, and also make smarter decisions about investment and risk selection going forwards.
Multi-peril flood data
Fathom’s insurance products calculate combined pluvial, fluvial and coastal flood risk.
Understand your risk using catastrophe models that contain thousands of synthetic years of plausible flood events.
Factor future flood risk into your insurance decisions with models that utilise the latest climate data, rather than relying solely on historical records. Our models for the UK and Japan are built using the latest regional climate data: UKCP18 and D4PDF, under a variety of emissions scenarios so that our models can be tailored to your risk appetite.
Flood hazard data alone does not tell you anything about flood risk: you need to know when flood hazard collides with people, buildings, and businesses. Fathom has spent many years working with the latest exposure data, including AI-generated population datasets from high-resolution satellite imagery. These data enable us to undertake robust exposure modelling, even in the most data-scarce regions of the world.
Quote Fathom provided a first-rate product and service based upon cutting-edge research and methodologies, which are both robust and transparent. Their flood data sets are global, consistent and high calibre. Most importantly, Fathom-Global is a responsive and collaborative firm who consistently deliver.Read Case Study
Quote Fathom is an innovative and dynamic organisation at the forefront of flood risk research. They offer a range of specialist modelling tools and use a clear and impressive methodology.Read Case Study
Quote Aon and Impact Forecasting can now more holistically approach clients’ flood risk management and quantification needs thanks to our collaboration with Fathom.