Catastrophe & Risk Solutions

Tropical Cyclone Risk Models

Understand your risk from wind, flood, and storm surge during a tropical cyclone. Wherever there's tropical cyclone risk, our models can help you analyze exposure and quantify potential hurricane losses. Verisk pioneered commercial hurricane modeling, and we continuously apply the latest meteorological research, evolving coastal development patterns, and changing climate conditions to our tropical storm models.

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Rising values and intensifying storms demand advanced tropical cyclone models

Coastal populations and storm intensity have both increased steadily in recent years. As increasing exposure and intensifying hazards converge, sophisticated tropical storm models become more essential for insurers and reinsurers operating in hurricane-prone regions.

Make better risk assessment decisions with industry-leading tropical storm models

Improve underwriting, pricing, risk transfer, and risk mitigation decisions with robust models that estimate the impacts of a tropical cyclone precisely for the multiple perils that drive hurricane losses.

Estimate realistic, location-level wind speeds and flood depths

Combining the latest research on wind fields and boundary layer physics with high-resolution elevation, topography, land use, and land cover data, our tropical cyclone models simulate wind speed variations across the storm footprint. High-resolution digital elevation models and advanced hydrodynamic simulation capture how storm surge and coastal flooding propagate inland, accounting for mitigating coastal features.

Account for differences in regional vulnerability to tropical cyclone risk

See how evolving building codes, construction practices, and age of housing stock across markets affect hurricane loss exposure. Our tropical storm models capture regional differences, incorporating jurisdiction-specific building code effectiveness research, construction practice surveys, and engineering studies of performance for various building characteristics under wind and water loads.

Assess damage for each sub-peril that contributes to hurricane losses

Separate damage from wind, precipitation-induced flooding, and storm surge—the three primary sub-perils that drive tropical cyclone impacts. Understand how tropical cyclone risk profiles differ for coastal properties versus inland locations for more sophisticated underwriting that differentiates coverage and pricing based on location-specific sub-perils.

Partnering with [Verisk] has been instrumental in our ability to serve our customers. Using [Verisk’s] full suite of catastrophe models for Japan, we capture a complete view of our earthquake, inland flood, and typhoon risk.

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Features and capabilities

Our tropical cyclone models use thousands of years of simulated storm activity to capture hurricane losses across the full range of frequencies and severities. Advanced meteorological simulation incorporates storm intensity changes during landfall, size and structure variations, and realistic storm tracks based on historical climatology and climate projections.

Coastal and precipitation-induced flooding

Our tropical cyclone models for the US and Japan provide a unified view of flood risk from all sources, including coastal flooding and hurricane-induced precipitation.

Accounting for variations in vulnerability

Buildings can be categorized by construction, occupancy, age and height, plus other characteristics, to enable more precise loss estimation.

Industry exposure databases

These datasets contain counts of all insurable properties and their respective replacement values for a given country, filling any information gaps in your portfolio.

Related resources

Explore our thought leadership on managing hurricane losses, optimizing reinsurance protection for tropical cyclone risk, and understanding how the impacts of tropical cyclones extend beyond direct wind and water damage.

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Extreme Event Solutions Client Portal

Access client-confidential downloads, training, and documentation for Verisk's extreme event solutions model, software, and service offerings.

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Modeling Fundamentals: AIR Industry Exposure Databases

Industry exposure databases provide counts of all insurable properties and their replacement values, and serve as the foundation for all modeled industry loss estimates

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Resources

About Catastrophe Modeling

For rare but severe events, historical loss information is often unreliable in assessing future loss potential. That’s where catastrophe modeling comes in.

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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.

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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.

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Do more with the Verisk ecosystem

See the full scope of modeling possibilities for extreme events by integrating our tropical cyclone models with exposure management platforms, real-time event tracking, post-event reconnaissance data, and climate change projections.