Assess storm and flood risk per address

Building insurers assess storm and flood risks per address

Needs setupAI Act: no extra obligationsForecasting from figuresInsurance, Real estate

Fits: Finance & accounting · Sales

Underwriting and sales can see at application stage how exposed a building is to heavy rain, flooding, storms or hail. Tariffs, deductibles and prevention advice match the risk better, and there are fewer surprises in the claims year.

Is this for you?

  • You insure residential or commercial buildings with natural hazards cover and want to assess the risk in more detail than by postcode.
  • You have claims data covering many years with addresses or location coordinates, and access to hazard maps.
  • Underwriting, actuarial and the claims department want to build and maintain a risk model together.
First step today

Put together a test table of made-up or anonymised buildings: hazard class, location such as hollow or slope, basement, number of claims in ten years. Have it analysed by group with the template below and watch whether the AI flags small groups as too small.

How to go about it

  1. Define hazards, building types and the risk measure
  2. Combine claims data and location data
  3. Have a risk score calculated per address
  4. Check against actual claims
  5. Use it in tariffs, acceptance and advice
  6. Recalibrate after every claims year

Templates to copy

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Included in the training

The complete guide

  • 6 steps explaining exactly what to do
  • 3 proven templates to copy into your own AI
  • Safe use: data, checking, deciding, informing
  • Pitfalls, effort and how to recognise success

With the training you get all 430 guides for as long as your access runs.

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VS-06 · Legal status 08.10.2026