Flood reinsurance solutions

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

    flood reinsurance

    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

    reinsurance company offering white-label flood insurance products
    With our in-depth and hands-on experience in flood product development, we offer our reinsurance clients a robust risk appetite and a holistic partnership to address the needs of their policyholders. Our reinsurance solutions can be provided via traditional quota share treaties (primary and excess of loss policies) or via our facultative programs. We also offer hydrologic expertise and consultative services to our clients and brokers to help facilitate a reinsurance treaty that fits the business needs of our customers, and helps them grow their flood portfolio.

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

    Munich Re US and The Nature Conservancy have outlined in this paper how the successes of a levee setback on the banks of the Missouri River helped secure the well-being of communities across the United States.

    Contact us

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    Contact our experts
    Serena Garrahan
    Serena Garrahan
    Inland Flood Product Manager
    Munich Re US
    Shubhank Sharma
    Shubhank Sharma
    Market Development Manager
    Munich Re US
    Christine Barbiere
    Christine Barbiere
    Implementation Specialist
    Munich Re US

    Further information

    Products and services provided by Munich Reinsurance America, Inc. (“Munich Re US”) and its affiliates. Any descriptions of coverage contained in this website are meant to be general in nature and do not include nor are intended to include all of the actual terms, benefits, and limitations found in an insurance policy. The insurance policy and not any content reflected on this website will form the contract between the insured and insurance company, and governs in all cases. The inland flood coverage endorsement is not intended to satisfy any mandatory flood insurance requirements of the policyholder's lending institution for their mortgages or loans. Coverage to satisfy these requirements is available through the National Flood Insurance Program (NFIP). This inland flood coverage endorsement is not affiliated with the NFIP.
    1. US Department Homeland Security, FEMA, Historical Flood Risk and Costs, July 24, 2020  https://www.fema.gov/data-visualization/historical-flood-risk-and-costs