NatCat risk assessment for every site you insure
21RISK puts natcat data from Munich Re on every site: earthquake, storm and flood risk scores. When the insurer asks which of your plants sit in a flood zone, you answer from the platform.
The natural-hazard question you cannot answer in the meeting
Insurers price flood, storm and earthquake exposure site by site. Most risk teams can only answer at group level.
Exposure you have not mapped
You know where your sites are. Knowing which of them sit in a flood zone is a different question entirely.
Everyone brings their own view
Each broker and insurer arrives with a different hazard model, and you have no independent number to hold them to.
Group level is not good enough
Insurers price flood, storm and earthquake site by site. An answer for the portfolio as a whole does not settle it.
Hazard exposure on every site, from a source insurers respect
21RISK puts Munich Re risk scores on the site record itself, and rolls them up into the distribution your insurers work from.
- 01
Your sites, located
Every site in the portfolio carries its address and location on its own record.
- 02
Risk scores per site
Overall, earthquake, storm and flood scores come from Munich Re, using defended flood scores where a defence is modelled.
- 03
See the portfolio distribution
How much of your insured value sits in low, medium, high and extreme classes — weighted by the values you collected, not by site count.
What you get with NatCat
Data from Munich Re
Risk scores per site come from Munich Re — the same source your insurers respect, so the number is not one you have to defend.
Exposure weighted by value
Low, medium, high and extreme across the portfolio — weighted by insured value for the period, so one plant is not lost behind twenty warehouses.
Defended where it counts
Where Munich Re models a flood defence at the location, the defended score is used — so a protected site is not priced as an unprotected one.
Natcat covers what nature does to a site. For strikes, riots, war and epidemics, see country risk: every country you have sites in, scored from public data.
See which sites are under a weather warning today
Hazard scores tell you where a flood can happen. Weather warnings tell you where a storm is due this week. The Insurance map shows the official warnings in force at your sites, checked every two minutes. Every site under a warning gets a ring in the warning’s colour.
Each warning shows its level, its hazard and when it ends. It links to the national weather service that issued it, and opens as it was published. Ask your AI assistant which sites are under a warning, and it answers from the same data.
Example warnings at your sites, most severe first.
- Tropical cyclone Red · Tropical cyclone · Taiwan Taipei DC
- Thunderstorm warning Orange · Thunderstorm · Rhône Lyon plant
- Wind warning Yellow · Wind · Hamburg Hamburg DC
Weather warnings are shown for awareness. 21RISK is not an alerting service; follow the instructions of your national weather service and local authorities.
Sources, levels and coverage are in the docs: weather warnings.
Frequently asked questions
Where does the hazard data come from?
Risk scores are sourced from Munich Re — one of the reinsurers your own insurers rely on, so the numbers are not yours to defend.
Which perils are scored?
An overall score plus earthquake, storm and flood per site. Where Munich Re models a flood defence for the location, the defended score is used in preference to the undefended one.
How is the portfolio view weighted?
By insured value for the period, not by number of sites. Twenty small warehouses in a low class do not offset one plant in an extreme one.
Does 21RISK show live weather warnings?
Yes. The Insurance map shows the official severe weather warnings in force at your sites, as national weather services issue them. Warnings are checked every two minutes and tropical cyclones every 30. A site under a warning gets a ring in its colour.
Which regions do weather warnings cover?
Europe, the US and Canada, for every hazard their national weather services warn about. The warnings come from MeteoAlarm, the U.S. National Weather Service and Environment Canada. Tropical cyclones come from GDACS, worldwide. Other hazards are not covered in Asia, Latin America, the Middle East and Africa.
Is it an alerting service?
No. Warnings are shown for awareness, on the map and to the AI assistant you connect. Follow the instructions of your national weather service and local authorities.
What about future climate scenarios?
That is a separate dataset and a separate page — see climate scenarios for projections out to 2030, 2050 and 2100.
See your portfolio's hazard map
Every site, scored by Munich Re, weighted by the values you already collect.