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Munich Re’s Natural Hazards Edition
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Munich Re’s
Natural Hazards Edition

Advanced decision making with the comprehensive risk assessment and management solution

Natural hazards are constantly increasing. However, you can significantly reduce the risks you have to take. Provided you use Natural Hazards Edition, which is based on the world’s most comprehensive collection of natural hazards data and 141 years of experience of the world’s largest reinsurer.

Location analytics for advanced decision making – comprehend your current and future risk landscape in eye-opening ways. 

Integrated into your digital workflows, Natural Hazards Edition drives your spatial exploration, visualisation and evaluation. It automates the entire process of creating scalable insights from big data. Our market-leading filter options empower you by giving you deeper insight into new business opportunities. The next generation of geospatial services link multiple technological developments such as cloudbased data, the Internet of Things and artificial intelligence into a powerful decision-making solution. We are constantly advancing further towards this goal.

The evaluation criteria can be extended modularly at any time by adding those of the Climate Change Edition, Wildfire HD Edition and additional modules.

Munich Re’s Natural Hazards Edition

Benefits of Natural Hazards Edition

Easy input & output
Portfolio upload and filter search tools/options for an easy start and different file options for a quick output of the results.
Advanced analytics
Analyse your portfolios with regard to risks emerging from natural hazards.
Largest global data collection on natural hazards
40 years of natural hazards data collection from Munich Re combined with state-of-the-art scientific data sets for relevant risk scores.
Easy to interpret visualization
Clear visualisation of the risk scores based on performance indicators in different map types as well as colour shading.
Munich Re’s Natural Hazards Edition

Reliably evaluate the current status of your entire portfolio or of individual locations, areas or infrastructures

Munich Re offers high-quality natural hazard expertise to perform efficient exposure analyses of your individual risk locations or entire portfolios. You can cluster main risk hotspots, filter dynamically and identify accumulations in your portfolio to provide in-depth understanding for better decisions.

In addition to the comprehensive overall score, which is based on the three individually accessible detailed scores for earthquake, storm and flood, users receive dedicated ratings for a total of 12 natural hazards, including earthquakes, volcanoes, tsunamis, tropical storms, hail, tornadoes, lightning, wildfires, river floods, storm surges, etc.

All analysed locations are visually displayed in the form of detailed maps with risk layers, and can be saved as reports together with all individual scores.

You can also increase the profitability of your business with optimum risk diversification and advanced portfolio management: Natural Hazards Edition is based on cutting-edge PostgreSQL technology, guaranteeing highest data processing speed and security. Over 50 million risk assessments every year and an annual customer satisfaction score of over 90% demonstrate that this is a globally proven, trusted tool.


Also available On-Demand

In the On-Demand version, users without a contractual commitment can use credits that can be purchased directly on the website to determine risk assessments for individual locations and download them in meaningful reports.

Go to On-Demand version

Available scores

The earthquake map is graded according to the intensity that is to be expected once in a period of 475 years. Intensity integrates a number of parameters such as ground acceleration and earthquake duration. The return period of 475 years corresponds to a 10% exceedance probability in 50 years, which represents the mean service life of modern buildings …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet”

The Global Earthquake Model (GEM) Global Seismic Hazard Map (version 2018.1) depicts the geographic distribution of the Peak Ground Acceleration (PGA) with a 10% probability of being exceeded in 50 years, computed for reference rock conditions …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

The volcano hazard map is based on the activities of volcanoes. All volcanoes are located and mapped by coordinates. Munich Re calculated the volcanic hazard on the basis of the VEI …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Tsunamis are seismic sea waves and occur after strong seaquakes or large submarine landslides, often induced by earthquakes or volcanic eruptions in the sea or on the coast. The greatest risk comes from tsunamis generated by meteorites crashing into the sea …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Tropical cyclones are among the most destructive weather phenomena. Coastal regions and islands are particularly exposed as they are affected not only by the direct impact of a storm, but also by the secondary hazards, such as storm surges and pounding waves. …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Extratropical storms are created in the transition region between subtropical and polar climatic zones, i.e. in the latitudes between about 30° and 70°. In these regions, cold polar air masses collide with tropical air masses, forming extensive low-pressure eddies …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Hailstorms cause extensive damage to agriculture, as well as to buildings and vehicles. Heavy hailstorms are usually triggered by wide cold fronts. Occasionally, local hot weather thunderstorms – a result of intense …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Tornadoes occur worldwide at latitudes between 20° and 60°, but are undeniably most frequent in the USA. Tornadoes are very localized but extremely intense. The direct damage caused by the high wind speeds is exacerbated by the sharp drop in air pressure (10% or more) at the centre of the funnel …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

At any given time about 1500 thunderstorms are taking place all over the world, with hardly any region remaining unaffected. Lightning strikes are the main cause of natural fires, which can destroy whole forests and often buildings …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Wildfires are the result of a complex interaction between certain influencing factors, e.g. ignition of the fire, vegetation, meteorological conditions (El Niño/La Niña) and topography. The wildfire map is based on climatological historical data and GlobeCover (ESA) land cover data …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Munich Re’s river flood hazard data (provided by JBA Risk Management) offer state-of-the-art flood hazard information (with a 30m horizontal resolution), available on a global scale. The global flood maps are constantly improved and are a market standard …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Flash floods are short-term events which can be produced by severe convective storms or heavy rain events over one area. Flash floods can be heavily destructive due to the enormous amount of water which often carries rocks, debris and mud. …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Storm surges can occur along sea coasts if constant strong wind from one direction causes wind setup on the coast, which can measure up to several metres. Therefore in conjunction with the astronomic tide and high seas, extremely high water levels may occur …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

The population density map is derived from global population distribution data (based on population counts) by LandScan™. LandScan™ is a community standard developed by the Oak Ridge National Laboratory, it uses an algorithm …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

The elevation map is composed of different models. The main component is the digital elevation model “ALOS World 3D-30m (AW3D30; ©JAXA)”, which is provided by the Japan Aerospace Exploration Agency (JAXA) …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

CRESTA is an independent organisation that evaluates catastrophe risk and standardizes target accumulations. The CRESTA organisation established country-specific zones for the insurance and reinsurance industry …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

The soil and shaking hazard layer shows underground conditions that influence earthquake intensity. There are six different classes from 1 (low risk) to 6 (high risk) …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

The GEM Global Active Faults project (GEM-GAF) compiles a global dataset of active faults for seismic hazard assessment. The GEM-GAF is building a comprehensive global dataset of active fault traces of seismogenic concern …

For the detailed and complete description please download our “Natural Hazards Edition” fact sheet

Do you need additional assessment models? Thanks to the modular structure, you can easily add further risk score editions

Climate Change Edition supports you in analysing and assessing the risks of future climate change. From a single asset to multiple assets within a portfolio located in areas prone to the effects of future climate change, such as areas of extreme temperatures, extreme rainfall, drought stress, tropical cyclones, fire stress, sea-level rise, etc. You receive dedicated ratings for a total of 7 climate change scenarios.
Munich Re has developed a new Wildfire Risk HD zoning map to support wildfire risk management in the US states of California, Colorado, Arizona, Nevada and Oregon, in Alberta and British Columbia in Canada, and, absolutely new, the Wildfire HD Edition has been extended by the states of New South Wales and Victoria, as well as the internal territory of Australian Capital Territory. Risk scores are calculated using Munich Re’s claims experience and scientific assessment of the impacts of climate change.

Scores you can count on

Risk scores are a powerful tool to help you assess real risk situations, by providing a measure of financial loss potential for standard industrial businesses.

Risk Scores

While hazard zones describe the exposure of a location to a given hazard, Risk Scores describe the vulnerability, i.e. the magnitude of potential financial damage. We provide one Overall Risk Score as well as three Risk Scores for individual insurance coverage types, i.e. earthquake, flood and storm.

The Overall Risk Score can be used as a primary identifier of red flags.

Financial damage caused by e.g. tropical cyclone or hail events can differ substantially. In addition, the financial damage that can be caused by all individual hazards needs to be summed up to represent the total damage potential. Hence, for the Overall Risk Score all individual hazards are weighted, depending on their damage potential (derived from Munich Re`s proprietary collection of financial losses) and the corresponding risk scores are summed up.

The Earthquake Risk Score can be used to identify earthquake-related risks and includes earthquake, volcano and tsunami risk.

The Storm Risk Score can be used to identify storm-related risks and includes tropical cyclone, extratropical storm, hail, tornado and lightening risk.

The Flood Risk Score can be used to identify flood-related risks and includes river flood, flash flood and storm surge risk.

Natural Hazards Defended scores*

Natural Hazards Defended scores take into account flood defences, licensed by JBA. They are calculated for the hazards of river flood and storm surge. Due to a conservative threshold, differences between defended and undefended scores affect at the moment only the Netherlands and Belgium.

*available on request

Earthquake Risk Scores are visualised on the map and can be used for advanced analysis.
Storm Risk Scores are visualised on the map and can be used for advanced analysis.
Flood Risk Scores are visualised on the map and can be used for advanced analysis.

Subscription plans for every business.
Choose the one that suits you best

Location Risk Intelligence Platform is a thoroughly modular solution that is available in six different options. Depending on your subscription plan, you can also add up to two risk score editions (Climate Change Edition and Wildfire HD Edition) and four additional score modules to your preferred solution.
Subscription plans for every business. Choose the one that suits you best
High value platform functionalities

High value platform functionalities

Sometimes more is simply more. Especially when it comes to well-designed functionalities that facilitate risk assessment on the one hand and reduce your workload on the other. These outstanding functionalities include single location assessment, portfolio assessment, location geocoding, map services, saving of locations, elevation profiles, traffic light visualisation, location set filtering, REST API and areas and lines scoring.

For more detailed information just download our “Natural Hazards Edition” fact sheet!

Munich Re’s Natural Hazards Edition
© Munich Re

Or maybe you are looking for a solution that supports you in analysing and assessing risks of future climate change?

Then you should take a look at the Climate Change Edition. Analyse and assess single locations to multiple assets within a portfolio located in areas prone to the effects of future climate change, such as areas of extreme temperatures, extreme rainfall, drought stress, tropical cyclones, fire stress, sea-level rise, etc. In contrast to the Natural Hazards Edition, risk assessments are not calculated on the basis of past events, but on forecasts of future events that are expected to occur as a result of climate change.

How about trying our solution right now? Or would you rather talk to someone in person?