Climate Risk›Water Risk

Property-Level
Water & Flood Risk

Combining 2m Digital Terrain Models with 1-in-100-year rainfall simulations to deliver flood risk intelligence at individual property level - for insurers, lenders and government agencies.

Flood MappingWater SurgeRainfall AnalysisCMIP6 ProjectionsLandslide Risk
Capabilities

Water Risk Capabilities

Five integrated components delivering comprehensive water and flood risk intelligence at property resolution.

Flood Risk Mapping

Property-level flood risk derived from 2m Digital Terrain Models combined with 1-in-100-year rainfall simulation across South Africa.
  • Flow Direction layers
  • Drainage Network mapping
  • Maximum Depth rasters
  • Flood Risk zone classification

Water Surge Modelling

Dam discharge scenario modelling to assess downstream flood risk from infrastructure failure or controlled releases.
  • Dam discharge scenarios
  • Downstream impact corridors
  • Asset exposure assessment
  • Risk zone delineation

Rainfall Analysis

Extreme Value Theory applied to 4–11km daily historical rainfall datasets to derive statistically robust return period estimates.
  • Extreme Value Theory (EVT)
  • 4–11km daily historical data
  • Return period calculations
  • 1-in-10 to 1-in-200 year events

Future Climate Projections

Downscaled CMIP6 climate model projections at 25km resolution with customisable Shared Socioeconomic Pathway (SSP) scenarios.
  • CMIP6 downscaled to 25km
  • SSP5-8.5 and custom pathways
  • Mid-century and end-century horizons
  • Uncertainty quantification

Micro-Landslide Assessment

Slope section analysis and aspect point mapping to predict landslide susceptibility on a property-by-property basis.
  • Slope section analysis
  • Aspect point mapping
  • Directional predictions
  • Before/after property comparisons
Methodology

Science-Backed Methodology

Three inputs, each at the finest resolution available for South Africa, make the return period estimates defensible for insurance pricing and lending decisions.

2m DTM

High-resolution terrain

Our water risk models are built on the highest resolution elevation data available for South Africa - a 2m Digital Terrain Model that captures the micro-topographic features critical to accurate flood delineation.
4–11km rainfall

Extreme Value Theory

Rainfall inputs are derived through Extreme Value Theory applied to decades of historical daily gauge data, calibrated at 4–11km resolution - statistical rigour that keeps return period estimates defensible for insurance pricing and lending decisions.
25km CMIP6

Downscaled climate projections

Future climate projections use the latest CMIP6 global climate model ensemble, downscaled to 25km to preserve South African regional patterns. Multiple SSP scenarios let users stress-test portfolios under different warming trajectories.
Who It's For

Who Uses Water Risk Data?

Property-level flood intelligence for the organisations that price, lend against, plan for and build around water risk.

Insurers

Flood risk scoring for residential and commercial property underwriting at individual property level.

Banks & Lenders

Portfolio flood exposure assessment and climate risk disclosure for lending books.

Government

Flood plain management, infrastructure planning and disaster risk reduction strategies.

Engineers & Planners

Site feasibility, development constraints and stormwater infrastructure design.
See it in Action

Water Risk in Practice

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Advanced Flood Modelling

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Vaal Dam Water Surge Scenario

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Extreme Rainfall & Forward-Looking Climate Scenarios

Integrate water risk into your workflows

API access and bulk data delivery available. Talk to our team about your specific use case.

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