Catastrophe modelling data

Catastrophe models price and manage extreme risk, and they rest on three data pillars. This guide covers catastrophe-modelling data and how to source it.

Available across the EU. DataSupplier sources and delivers this data in all 27 European Union countries — including Germany, France, Spain, Italy, the Netherlands and Poland — and across the EEA, in the format and cadence you need.

The three pillars

Catastrophe models combine hazard (where and how severe events occur), exposure (what is at risk) and vulnerability (how assets respond). Each is a distinct data-sourcing challenge.

Hazard data

Hazard data, flood, wind, earthquake, wildfire, comes from scientific models, EO and historical records, increasingly adjusted for climate change.

Exposure data

Exposure links assets to locations and attributes, requiring accurate geocoding and property data. Poor exposure data is a common weak point.

Vulnerability and loss

Vulnerability functions and historical loss data calibrate how exposure translates to damage. Provenance and methodology are central.

Climate change

Forward-looking, climate-adjusted hazard data is increasingly required by regulators and reflects shifting risk. It must be clearly distinguished from historical baselines.

Sourcing considerations

Data spans scientific, commercial and official sources with differing methods and licences. Combining hazard, exposure and vulnerability via consistent geography is the core work.

In a managed model

A managed partner can source and combine hazard, exposure and vulnerability data with documented provenance.

Exposure is the weak point

Catastrophe models rest on hazard, exposure and vulnerability, and exposure, accurately geocoding assets and their attributes, is the common weak point. Climate-adjusted hazard data is increasingly required and must be distinguished clearly from historical baselines.

Combine on consistent geography

Data spans scientific, commercial and official sources with differing methods and licences, and combining the three pillars on consistent geography is the core work. Provenance and documented methodology are essential for pricing, reserving and capital use.

Sources & further reading

• Copernicus and scientific hazard models.
• EIOPA: climate and catastrophe-risk guidance.
• National hazard and loss datasets.
• Catastrophe-model vendors and methodologies.