Hydrodynamic Catchment Elevation & Severe Storm Modeling
Static 100-year FEMA flood maps miss over 40% of commercial flood losses from flash urban drainage and severe convective storms. Delphi-1.0 evaluates localized catchment geometry, soil moisture saturation, finished floor elevations (FFE), and Doppler hail footprints.
Precision Hydrodynamic Catchment Modeling
Sub-meter elevation flow paths and dynamic soil saturation indices replace binary FEMA lines with continuous loss cost precision.
Hydrograph Catchment Routing
Models stormwater accumulation velocity across 10-meter hydrological flow paths, identifying pluvial flash-flood bottlenecks before severe weather strikes and pinpointing low-lying commercial asset inundation risks with meter-level granularity.
Finished Floor Height Delta (FFE)
Calculates structural foundation height above 100-year Base Flood Elevation (BFE). Provides automated credits for elevated electrical and HVAC mechanical equipment, backflow prevention check valves, and dry perimeter flood barrier walls.
Severe Convective Wind & Hail Swaths
Historical Doppler radar hail footprint correlation and NOAA Storm Prediction Center wind field modeling. Evaluates roof skin vulnerability and building cladding resistance to prevent unexpected severe convective secondary peril losses.
Atmospheric River Saturation Grids
Continuous ingestion of 48-hour NOAA High-Resolution Rapid Refresh (HRRR) precipitation grids combined with ERA5 soil saturation curves predicts compounding flash-flood loss severity when multiple atmospheric river storm fronts arrive in rapid succession.
Underwrite Flood In Sub-45ms API Calls
Integrate hydrograph elevation pricing and pluvial flash flood scoring directly into your commercial property rating workflow via REST endpoints.
- Pluvial & fluvial inundation depth scores
- Finished floor elevation (FFE) delta rating
- Automated sublimit and deductible recommendations
// Sample Flood Request Payload
{
"policy_id": "COMM_FL_MIAMI_8812",
"location": { "latitude": 25.7617, "longitude": -80.1918 },
"tiv_usd": 6800000.0,
"finished_floor_elevation_ft": 4.5,
"distance_to_coast_m": 850.0,
"backflow_preventer_installed": true
}
// Actuarial Response Output
{
"status": "QUOTE_ACCEPTED",
"flood_hazard_score": 0.292,
"pluvial_inundation_depth_ft": 0.4,
"bfe_delta_ft": 2.1,
"mitigation_credit_pct": 14.0,
"indicated_annual_premium_usd": 18250.00,
"solvency_status": "WITHIN_TREATY_LIMITS"
}The Tripartite Underwriting Suite
Bridge inland flood and severe convective storm ratings with California wildfire physics and automated 5-mile radius PML treaty accumulation limits.
Flood & Severe Storm FAQs
Catchment physics, finished floor elevation, and FEMA map differentiation.
Price Commercial Flood Beyond Static FEMA Maps
Deploy hydrodynamic elevation models, FFE deltas, and real-time precipitation accumulation grids into your underwriting engine.