Comprehensive assessment of severe thunderstorm exposure
Severe thunderstorm risk differs fundamentally from other catastrophe perils: events are numerous, geographically dispersed, and composed of multiple sub-perils with distinct damage mechanisms. Modeling approaches that work for hurricanes or earthquakes can fall short when applied to severe storm risk, which requires specialized methodologies that capture the unique characteristics of convective weather systems.
Understand the impacts of all three sub-perils
Differentiated treatment of tornadoes, hail, and straight-line wind provides accurate frequency, severity, and geographical distribution for each sub-peril.
Capture both catastrophic outbreaks and aggregate exposure
High-resolution, purpose-built event catalogs represent tail risk while accounting for smaller events that affect rural portfolios on an occurrence basis or urban concentrations in aggregate.
Assess vulnerability with component-based precision
Advanced damage functions incorporate detailed roof attributes, comprehensive building code data, and how aging infrastructure increases hail damageability.
Verisk’s advanced hail vulnerability module
Look into Verisk’s hail vulnerability module in our updated US Severe Thunderstorm model; it considers the damageability of individual structure characteristics, giving you a better sense of how hail impacts the roof and other parts of a structure.
Verisk’s advanced hail vulnerability module
Accelerate decision-making with storm models conditioned on future projections of climate
Speed, precision, and transparency that insurers, reinsurers, and brokers rely on to make confident decisions across the entire risk lifecycle.
A near-present view of climate risk
Radar and observation data with novel detrending methodology removes bias in historical hazard data, accurately modeling frequency in population centers where exposure values are highest.
Comprehensive modeling parameters
Separate treatment of all severe thunderstorm sub-perils—hail, tornado, and straight-line wind—supports accurate accounting of peril-specific policy conditions and enables post-analysis loss reporting by sub-peril, helping you tailor business decisions to regional risk profiles.
Real-time event monitoring and alerts
Stay ahead of unfolding perils with up-to-date information and catalog files for actual events, providing a more accurate view of current severe storm risk.
Solar and specialty risk support
Modeled potential losses span three types of solar utility installations with different components. Refined specialty assessments include industrial facilities, infrastructure, greenhouses, wind turbines, and marine lines.
Extensive validation with proprietary data
Each model component is continuously validated and calibrated against proprietary, verified historical data from more than $130 billion in detailed claims and $370 billion of aggregate loss data.
Related resources
Discover how our severe thunderstorm risk solutions deliver clarity for confident decisions in an increasingly complex climate environment.
Documentation
Extreme Event Solutions Client Portal
Access client-confidential downloads, training, and documentation for Verisk’s extreme event solutions model, software, and service offerings.
Brochure
The Verisk Severe Thunderstorm Model for the United States
Severe thunderstorms, which can often include significant hail damage and may spawn straight-line winds and tornadoes, are among the most frequent and costly natural catastrophes in the United States, accounting for more than half of annual reported insured property losses since 1985.
Resources
About Catastrophe modeling
Historical loss information is often unreliable for assessing future loss potential from rare but severe events. That’s where catastrophe modeling comes in.
General trainings
Certified Extreme Event Modeler (CEEM) Training
Gain insight into the science behind natural catastrophes and a behind-the-scenes look at how catastrophe models are developed and validated.
Research
Research publications from Extreme Event Solutions
Verisk Extreme Event Models are developed by experts who are constantly innovating and driving discovery. Learn more about their groundbreaking work.
Do more with the Verisk ecosystem
Integrate our storm models with exposure data validation tools, geocoding services, and claims estimation platforms for comprehensive severe thunderstorm risk management from quote to claim resolution.
Verisk Synergy Studio
Verisk Synergy Studio is a powerful, flexible, and scalable catastrophe modeling and risk management platform, coming in 2026.
Predictive analytics for natural disasters
Get ahead of the damage with insights from real-time weather data feeds to improve operational performance and decision-making.
The enterprise risk modeling platform
Understand your estimated exposure to loss from extreme events today—and in the future.
The reinsurance enterprise risk modeling platform
Model the risk of complex reinsurance contracts to inform your underwriting and pricing decisions like never before.
Contact us to learn more
Telephone support is available at the following offices, please call your local provider at one of the listed numbers below:
Support numbers:
Boston +1 6172676645
London: +44 (0)20 37640300
Munich: +49 (0)89 2323735 0
Hyderabad: +91 40 66002266
Beijing: +86 10 5965 2780
Singapore: +65 6249 0770
Tokyo: +81 (0)3 6551 2840