Methodology
A physics-informed approach structured to support underwriting decisions and internal model governance.
Surge behavior is governed by coastal geometry, bathymetry, wind stress, pressure forcing, and tidal interaction. We prioritize physical realism and interpretable assumptions.
Why it matters: improves explainability for underwriting and governance review.
Florida’s estuaries, inlets, and shallow-shelf geometry drive localized surge sensitivity not fully captured by global-scale approaches.
Why it matters: reduces blind spots in coastal concentration decisions.
Deliverables include clear assumptions and summaries suitable for internal review and stakeholder circulation.
Why it matters: supports audit readiness and model governance discussions.
Products are designed to complement RMS, Verisk, and other catastrophe models, not replace them.
Why it matters: practical integration with existing insurer workflows.
Structured to be review-friendly without exposing unnecessary implementation detail.
Data Inputs
Public meteorological and oceanographic datasets, coastal bathymetry, and shoreline geometry.
Why it matters: reproducible inputs suitable for internal validation.
Regional Surge Interpretation
Focus on how forcing interacts with Florida coastal configuration across scenarios.
Why it matters: supports underwriting decisions in complex surge zones.
Hazard Outputs
Hazard grids, scenario summaries, and underwriting-relevant risk signals designed for scan-and-review workflows.
Why it matters: reduces time-to-decision for exposure review.
Documentation Package
Assumptions and briefings prepared to support governance and stakeholder circulation.
Why it matters: defensible review posture for internal and regulatory contexts.
SurgeQuant Labs uses publicly accessible datasets and does not rely on proprietary catastrophe model data.
Download a sample executive briefing snapshot or request a pilot scope.
SurgeQuant Labs operates independently and does not represent any government agency.