UK Flood Model

Our UK Flood Model offers a consistent view of risk across the entire risk transfer chain through incorporation of our market-leading 5m UK Flood Map. Portfolio analysis at building level takes advantage of these maps to offer competitive pricing and excellent differentiation between neighbouring properties.

The model offers a comprehensive view of flood risk by correlating river, surface water and coastal flood across the whole of the UK, as well a high event rate to capture attritional losses and a continuous rainfall simulation to account for antecedent conditions.


Realistic loss simulation is provided by the inclusion of extensive defence data and application of a sophisticated overtopping algorithm. Loss calculation is done at the lowest possible level: every location, event, flood type and coverage. Historic flood events are incorporated for validation and portfolio stress testing, including Storms Desmond, Eva and Frank 2015/2016 and June & July 2007.

UK Climate Change Flood Model

This model offers a unique opportunity to assess the future impact of climate change on portfolios and quantify potential impacts against present-day losses. Our pioneering model provides an indication of loss estimates in 2040 and can be used in conjunction with our UK Flood Model for proactive decision-making and portfolio management.

Aimed to provide a realistic view, it reflects warming consistent with a 2°C increase in global temperatures by 2100, in line with the Paris Agreement’s long-term temperature goals set at COP21 in 2015. The model enables users to understand the magnitude of change in flood risk associated with a realistic climate change scenario and identify areas which may be more or less susceptible to flooding under a warmer climate. Losses from the climate change model will aid proactive management of portfolios most susceptible to climate change-induced flood risk, allowing for the future planning of portfolio diversification to less susceptible areas.

Model access

The UK Flood Model and the UK Climate Change Flood Model can be accessed via portfolio analysis services provided by JBA, or our catastrophe modelling platform, JCalf. The models can also be accessed via ELEMENTS, Oasis and ModEx.

For more information on both our UK Flood Models, see our executive briefing. You can also read our new blogs, introducing both models. Alternatively, get in touch via the form below.

Let's Talk. Make an Enquiry

To contact JBA Risk Management, please complete the form below and press the send button.


We'll keep you up to date

Don't miss out on receiving the most relevant details about our products and services, company updates, blogs and event response updates. If you are happy to receive this information by e-mail, please confirm your agreement by ticking the boxes below.


We take your privacy seriously. We will securely store the data that you share. We will not share your data with any third party. If you would like to unsubscribe at any time please contact us at hello@jbarisk.com with the subject line Opt-out or call JBA Risk Management Marketing on 01756 799919. All updates will also give you the option to unsubscribe.

Read our complete privacy policy here.