
Flood solutions
Driving flood protection forward
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Floods are the most frequently occurring and the most expensive natural disaster in the United States. According to FEMA, 99% of the counties in the US have experienced flooding between 1996 and 2019.1 However, many homeowners remain uninsured against this threat.
Munich Re US has a comprehensive US flood strategy and white-label flood insurance products that are designed to match homeowners with the right solutions to help recover faster.
Our white-label approach

Severe weather events are on the increase, including heavy flooding in areas that previously never flooded. Unpredictable flood events highlight the need for property owners to have effective coverage. With homeowners flood claims averaging $52,000,1 not having flood insurance can be costly.
Munich Re US’ personal Inland Flood Endorsement is designed to narrow the protection gap by offering affordable flood insurance designed specifically for homeowners in low-to-moderate risk areas. Our turnkey Inland Flood Endorsement offers expanded coverages that can easily be added onto existing personal lines policies.
InDepth® – Flood Digital Platform
In Depth®, our digital platform delivers fast and seamless eligibility and pricing to support our white-label solutions:
- Locations rated on individual property’s unique risk score
- Advanced flood modeling science with 10-meter grid resolution
- Custom application programming interface (API) developed for agents
- Flood hazard calculations include riverine and surface flooding
Reinsurance solutions

Nature’s remedy: Improving flood resilience through community insurance and nature-based mitigation


