Flooding is one of the fastest-growing and most costly perils worldwide — and traditional insurance structures are increasingly challenged by rising volatility and widening protection gaps. In this report, leading experts from Captive Intelligence, Descartes Underwriting, Previsico, and the broader risk community examine how organizations can strengthen their flood resilience through modern risk financing strategies.
Featuring insights from Jonathan Jackson (Previsico), Matthew James (Descartes Underwriting), Hamid Khandahari (Descartes Underwriting), Mike Still (Strategic Advisor), Aleksander Surowiak (Previsico), and Sébastien Piguet (Descartes Underwriting), the publication provides an authoritative view of how corporates and captives are leveraging parametric solutions to enhance liquidity, reduce uncertainty, and accelerate post-event recovery.
Why Read This Report
This publication provides practical, data-driven insights into the future of flood insurance. In it, readers will learn:
1. Why flood risk is becoming harder to insure
Climate change, urban expansion, and deteriorating infrastructure are intensifying losses and limiting market capacity.
2. How captives are evolving in response
Captives are increasingly used to absorb volatility, retain strategic layers of risk, and enable innovative structures like parametric triggers.
3. How parametric flood solutions work — and why adoption is rising
The report explains in simple terms how parametric policies operate, why they reduce uncertainty, and how they complement traditional indemnity coverage.
4. How organizations are achieving faster claims and stronger resilience
Case studies highlight how parametrics help deliver immediate liquidity after a flood event, when it is needed most.
5. Expert insights from Descartes Underwriting
Including:
- How advanced flood modeling and granular hazard data lower uncertainty
- Why captives and parametrics are a natural fit
- How forward-looking organizations are redesigning their flood resilience strategies
Key Takeaways
- Flood exposure is rising, while traditional capacity remains constrained.
- Captives are becoming central to the way large organizations manage NatCat risk.
- Parametric flood coverage delivers transparency, speed, and predictability, reducing operational disruption after an event.
- Modern trigger technology — including sensors, satellite observation, and high-resolution flood modeling — is reshaping how flood losses are financed.
- Combining a captive with a parametric layer is emerging as a best-practice structure for many organizations.
Who Should Read It
- Corporate risk managers
- Captive managers and board members
- Brokers advising on NatCat solutions
- Insurers and reinsurers tracking parametric trends
- Resilience, ESG, and business continuity leaders
Explore the full analysis and expert perspectives on how organizations can move from exposure to resilience.
