Private flood insurance solutions

Available globally, with deep experience in the US Flood Market

Chapter Navigation

  1. Why it matters
  2. Our solution
  3. How it works
  4. Configuration
  5. Tools
  6. Contact

Why it matters

Most US households lack flood cover. Not for lack of risk, but because pricing and execution are hard. Swiss Re changes the equation.

We give carriers building level catastrophe modeling and hazard insights, disciplined accumulation controls and the product development and underwriting support to launch competitive flood products fast and scale them confidently across regions.

  • Coverage gap

    Only 1 in 20 homes insured​

  • Uninsured losses

    ~USD 10bn annually​

  • Growing exposure

    More damaging rainfall & surge​

Our solution Precision to launch. Control to scale.

Model-driven rates, portfolio exposure control, policy-form and agent support, plus nationwide appetite for sustained growth and resilience.

Building-level pricing

Fully probabilistic US flood model combining hazard, vulnerability, value distribution and insurance conditions to deliver high-resolution, risk-adequate rates at the individual-exposure level.

Exposure control built-in

Model-driven rates, portfolio exposure control, policy-form and agent support, plus collaborative support to drive sustained growth and resilience.

Launch-ready enablement

Policy-form review, agent education and marketing toolkits accelerate go-to-market and improve placement; claims guidance supports a clear customer experience when events hit.

Collaborative support

Partner with Swiss Re's world-class financial strength and dedicated flood specialists to build success in the US or across the globe.

How it works

  • Assess

    Evaluate portfolio and target territories using Swiss Re and Fathom flood modeling. Gain location‑level hazard, vulnerability and accumulation insight to set appetite and pricing.

  • Design

    Choose coverage for river flooding, storm surge and inundation. Set structures and triggers for personal or commercial lines.

  • Launch & scale

    Deploy high‑resolution rates, finalize policy forms, and enable distribution with agent education and marketing support. Monitor performance and adjust accumulation controls to scale confidently.

Configuration Coverage, triggers & capacity

Flood programs can be configured to match appetite, capital, and distribution strategy through flexible coverage, trigger, and structure options.

Coverage perils

River flooding

Storm surge

Inundation

Triggers

Indemnity

Parametric

Dual

Structures

Treaty

Facultative / Swift Re

  

Layers

Pro‑rata

Excess

  

Lines

Personal

Commercial

  

Tools to power your flood program

Tools to power your flood program Location insight & modelling

CatNet® refines site selection with hazard and exposure context; NatCat Modelling Engine projects loss distributions and stress-tests capacity and accumulation limits.

Contact Get in touch to tailor a flood program for your portfolio.

How to rethink flood risk and help society become more resilient

Flash and river floods– increasingly taking many lives and putting economies under severe stress. We can help ensure the best possible outcome for your clients.

Discover about How to rethink flood risk and help society become more resilient