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1<meta name="theme-color" content="#032849"/><title>Underwriting &amp; Pricing | Climate Central</title><meta name="description" content="Understand and price flood risk building by building with Climate Central entry-floor elevations, coastal terrain, and loss data."/><link rel="manifest" href="/site.webmanifest"/><meta name="keywords" content="climate change, global warming, climate scientist, global warming facts, causes of global warming, effects of global warming, global climate change, agw, anthropogenic global warming, climate change facts, recent climate change"/><meta name="mask-icon" content="/images/safari-pinned-tab.svg"/><meta name="facebook-domain-verification" content="bc7pgkscnoe2thcdfj1tnx3mox23sf"/><meta name="RepostUsAPIKey" content="5fecfdbc7abba92a63dd2fe9faddcd49"/><meta name="news_keywords" content="climate change, global warming, climate scientist, global warming facts, causes of global warming, effects of global warming, global climate change, agw, anthropogenic global warming, climate change facts, recent climate change"/><meta name="fb:pages" content="57984115023"/><link rel="canonical" href="https://www.climatecentral.org/climate-services/underwriting-pricing"/><meta property="og:title" content="Underwriting &amp; Pricing | Climate Central"/><meta property="og:description" content="Understand and price flood risk building by building with Climate Central entry-floor elevations, coastal terrain, and loss data."/><meta property="og:url" content="https://www.climatecentral.org/climate-services/underwriting-pricing"/><meta property="og:site_name" content="Climate Central"/><meta property="og:locale" content="en_US"/><meta property="og:image" content="https://www.climatecentral.org/climate-services/underwriting-pricing/og"/><meta property="og:image:width" content="1200"/><meta property="og:image:height" content="630"/><meta property="og:image:type" content="image/png"/><meta property="og:image:alt" content="UNDERWRITING &amp; PRICING: Understand and price flood risk building by building"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:site" content="@climatecentral"/><meta name="twitter:title" content="Underwriting &amp; Pricing | Climate Central"/><meta name="twitter:description" content="Understand and price flood risk building by building with Climate Central entry-floor elevations, coastal terrain, and loss data."/><meta name="twitter:image" content="https://www.climatecentral.org/climate-services/underwriting-pricing/og"/><meta name="twitter:image:width" content="1200"/><meta name="twitter:image:height" content="630"/><meta name="twitter:image:type" content="image/png"/><meta name="twitter:image:alt" content="UNDERWRITING &amp; PRICING: Understand and price flood risk building by building"/><link rel="icon" href="/images/favicon-32x32.png" type="image/png" sizes="32x32"/><link rel="icon" href="/images/favicon-16x16.png" type="image/png" sizes="16x16"/><link rel="icon" href="/images/favicon.png" type="image/x-icon"/><link rel="apple-touch-icon" href="/images/apple-touch-icon.png" sizes="180x180"/>

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3<script type="application/ld+json">{"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://www.climatecentral.org/#organization","name":"Climate Central","url":"https://www.climatecentral.org"},{"@type":"WebPage","@id":"https://www.climatecentral.org/climate-services/underwriting-pricing#webpage","url":"https://www.climatecentral.org/climate-services/underwriting-pricing","name":"Understand and price flood risk building by building","description":"The private flood insurance market has expanded quickly while uptake stays low. Climate Central supplies the physical inputs to a flood pricing: entry floor elevation, coastal terrain, and historical loss record. Useful for primary carriers, MGAs, specialty and E&S flood writers, and reinsurers.","inLanguage":"en","publisher":{"@id":"https://www.climatecentral.org/#organization"},"primaryImageOfPage":{"@type":"ImageObject","url":"https://www.climatecentral.org/images/climate-services/underwriting-pricing/hero-camera-rig-street.webp","caption":"Three cinema cameras on a roof-mounted rig facing a street of multi-story beach houses with white balconies"},"breadcrumb":{"@id":"https://www.climatecentral.org/climate-services/underwriting-pricing#breadcrumb"}},{"@type":"BreadcrumbList","@id":"https://www.climatecentral.org/climate-services/underwriting-pricing#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.climatecentral.org"},{"@type":"ListItem","position":2,"name":"Climate Services","item":"https://www.climatecentral.org/climate-services"},{"@type":"ListItem","position":3,"name":"UNDERWRITING & PRICING","item":"https://www.climatecentral.org/climate-services/underwriting-pricing"}]}]}</script>

3<main class="styles_page__gGqsD" data-page-template="use-case-landing" data-accent-color="#FFA04B"><div class="styles_hero__BJgJL" data-landing-page-hero="true" data-section="hero" data-hero-size="compact"><section class="styles_container__WUjis styles_size-xl__eYh_7 styles_heroInner__OJr62"><div class="styles_heroCopy__7yXJG" data-hero-copy="true"><p class="styles_eyebrow__7CQYf" data-hero-eyebrow="true">UNDERWRITING &amp; PRICING</p><h1 data-role="value-proposition">Understand and price flood risk building by building</h1><p class="styles_heroDescription__bVcfk" data-hero-supporting="true">The private flood insurance market has expanded quickly while uptake stays low. Climate Central supplies the physical inputs to a flood pricing: entry floor elevation, coastal terrain, and historical loss record. Useful for primary carriers, MGAs, specialty and E&amp;S flood writers, and reinsurers.</p></div><div class="styles_heroImage__SprPp"><img alt="Three cinema cameras on a roof-mounted rig facing a street of multi-story beach houses with white balconies" width="2048" height="1536" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/underwriting-pricing/hero-camera-rig-street.webp"/><div class="styles_heroImageLegend__w8L0v" aria-hidden="true"><span></span>UNDERWRITING &amp; PRICING</div></div></section></div><section class="styles_container__WUjis styles_size-xl__eYh_7 styles_section__8ATY8 undefined" id="overview"><header class="styles_comparisonHeading__NT4C4"><h2 aria-label="Problem / Solution" data-section-heading="true" data-heading-scale="prototype">Problem<span aria-hidden="true"> / </span>Solution</h2><p>Price the building, not the zone.</p></header><div aria-label="Illustrated problem and solution" class="SplitIllustration_surface__9hIbE" data-active-chapter="0" data-phase="problem" data-playing="true" data-reduced-motion="false" data-scene="street" data-split-illustration="true" data-problem-solution-surface="true" role="region" style="--split-position:49.83870967741936%"><div class="SplitIllustration_problems__mC2j3" data-split-problems="true"><article class="SplitIllustration_row__aI_M_" data-active="true" data-comparison-problem="true" data-split-row="true"><div class="shared_chapterControls__FkS2w"><button aria-controls=":R13jttrbpfb:-solution-0" aria-label="View Compliance not assessment and Structure-level specificity" aria-pressed="true" class="SplitIllustration_numeral__1inJM" data-chapter-button="true" type="button"><span aria-hidden="true">01</span></button><button aria-controls=":R13jttrbpfb:-solution-0" aria-label="Pause: Compliance not assessment" class="shared_playbackButton__48LVI" data-playback-button="true" data-playing="true" title="Pause: Compliance not assessment" type="button"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-pause" aria-hidden="true"><rect x="14" y="4" width="4" height="16" rx="1"></rect><rect x="6" y="4" width="4" height="16" rx="1"></rect></svg></button></div><h3>Compliance not assessment</h3><p>FEMA built the flood zone for compliance. A zone marks a boundary on a map and it does not say anything about the building thatâs on the ground.</p></article><article class="SplitIllustration_row__aI_M_" data-active="false" data-comparison-problem="true" data-split-row="true"><div class="shared_chapterControls__FkS2w"><button aria-controls=":R13jttrbpfb:-solution-1" aria-label="View Same zone, different terrain and Continuous elevation modeling" aria-pressed="false" class="SplitIllustration_numeral__1inJM" data-chapter-button="true" type="button"><span aria-hidden="true">02</span></button><button aria-controls=":R13jttrbpfb:-solution-1" aria-label="Play: Same zone, different terrain" class="shared_playbackButton__48LVI" data-playback-button="true" data-playing="false" title="Play: Same zone, different terrain" type="button"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-play" aria-hidden="true"><polygon points="6 3 20 12 6 21 6 3"></polygon></svg></button></div><h3>Same zone, different terrain</h3><p>Every area in a flood zone is treated as equal, even though the bare-earth height is not uniform across the zone.</p></article><article class="SplitIllustration_row__aI_M_" data-active="false" data-comparison-problem="true" data-split-row="true"><div class="shared_chapterControls__FkS2w"><button aria-controls=":R13jttrbpfb:-solution-2" aria-label="View Same zone, different thresholds and Per-structure elevation data" aria-pressed="false" class="SplitIllustration_numeral__1inJM" data-chapter-button="true" type="button"><span aria-hidden="true">03</span></button><button aria-controls=":R13jttrbpfb:-solution-2" aria-label="Play: Same zone, different thresholds" class="shared_playbackButton__48LVI" data-playback-button="true" data-playing="false" title="Play: Same zone, different thresholds" type="button"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-play" aria-hidden="true"><polygon points="6 3 20 12 6 21 6 3"></polygon></svg></button></div><h3>Same zone, different thresholds</h3><p>The building-entry floor height is not a uniform height across the zone and should not be treated as such.</p></article></div><figure class="SplitIllustration_stage___kh8a" data-split-stage="true"><span aria-hidden="true" class="SplitIllustration_glow__kJ_f0"></span><div class="SplitIllustration_scene__N71Rk"><div class="SplitIllustration_frame__lgHeE"><div class="SplitIllustration_picture__fCZyK"><img alt="Four houses of different heights along one street" draggable="false" loading="lazy" width="1448" height="1086" decoding="async" data-nimg="1" class="SplitIllustration_illustration__vLcfV" style="color:transparent" src="/images/climate-services/portfolio-screening/illustration-street.webp"/><svg aria-hidden="true" class="SplitIllustration_overlay__QIIdq" data-chapter

3="0" data-phase="problem" data-scene="street" data-split-overlay="true" focusable="false" preserveAspectRatio="xMidYMid meet" viewBox="0 0 1448 1086"><defs><clipPath id="Rrb3jttrbpfb-problem"><rect height="1086" width="721.6645161290323"></rect></clipPath><clipPath id="Rrb3jttrbpfb-solution"><rect height="1086" width="726.3354838709677" x="721.6645161290323"></rect></clipPath></defs><g clip-path="url(#Rrb3jttrbpfb-problem)" data-layer="problem"><g data-ink="artwork"><image data-figma-overlay="true" height="1086" href="/images/climate-services/portfolio-screening/split-overlays/street-1.png" opacity="1" width="1448"></image><image data-figma-overlay="true" height="1086" href="/images/climate-services/portfolio-screening/split-overlays/street-1.png" opacity="0.5" width="1448"></image></g></g></svg></div></div><span aria-hidden="true" class="SplitIllustration_divider__bh0Kt" data-split-divider="true"><i class="SplitIllustration_dot__mAtj5" data-side="problem"></i><i class="SplitIllustration_dot__mAtj5" data-side="solution"></i></span></div><div class="SplitIllustration_cards__qaBiI"><article class="SplitIllustration_card__tmSgl" data-comparison-solution="true" data-split-card="true" data-solution-revealing="false" aria-hidden="true" hidden="" id=":R13jttrbpfb:-solution-0"><span class="SplitIllustration_cardLabel__40dfp">Solution</span><h3>Structure-level specificity</h3><p>Instead of a zone, we provide specifics about the buildings themselves on a granular level.</p></article><article class="SplitIllustration_card__tmSgl" data-comparison-solution="true" data-split-card="true" data-solution-revealing="false" aria-hidden="true" hidden="" id=":R13jttrbpfb:-solution-1"><span class="SplitIllustration_cardLabel__40dfp">Solution</span><h3>Continuous elevation modeling</h3><p>Our most-precise coastal elevation model provides elevation points everywhere and anywhere rather than treating flood zones as one unit.</p></article><article class="SplitIllustration_card__tmSgl" data-comparison-solution="true" data-split-card="true" data-solution-revealing="false" aria-hidden="true" hidden="" id=":R13jttrbpfb:-solution-2"><span class="SplitIllustration_cardLabel__40dfp">Solution</span><h3>Per-structure elevation data</h3><p>Our modeled entry-floor elevation data treats each structure individually, allowing for the most precise national measurement of flood risk.</p></article></div></figure></div></section><div class="styles_blueSection__rn9UR styles_audienceImageLinkSection__UA0aV" data-section="audiences"><section class="styles_container__WUjis styles_size-xl__eYh_7 styles_section__8ATY8"><header class="styles_sectionHeading__ZRfNA"><h2 data-section-heading="true" data-heading-scale="prototype">Who uses it</h2><p>Built for underwriting, pricing, and portfolio teams in property and flood insurance.</p></header><div class="styles_audienceGrid__Uaxbh styles_audienceImageLinkGrid__5VwLG" data-audience-layout="tile-icon"><article class="styles_audienceCard__L2mhK styles_audienceCardWithTileIcon__ZLSt7" data-audience-visual="tile-icon" data-background-card="true"><div class="styles_audienceCardContent__ceXjh"><span class="styles_audienceCardTileIcon___XYH3" data-audience-card-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="180" height="180" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/portfolio-screening/audiences

3/banking-mortgage.svg"/></span><h3>Banks and mortgage lenders</h3><ul class="styles_audienceRoles__tSgR5" data-audience-roles="true" data-role-list-style="bulleted"><li>Head of Mortgage Credit Policy</li><li>VP, Enterprise Flood &amp; Insurance Risk Management</li><li>Head of Risk-Based Pricing</li></ul></div></article><article class="styles_audienceCard__L2mhK styles_audienceCardWithTileIcon__ZLSt7" data-audience-visual="tile-icon" data-background-card="true"><div class="styles_audienceCardContent__ceXjh"><span class="styles_audienceCardTileIcon___XYH3" data-audience-card-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="180" height="180" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/portfolio-screening/audiences/insurance-reinsurance.svg"/></span><h3>Insurance and reinsurance</h3><ul class="styles_audienceRoles__tSgR5" data-audience-roles="true" data-role-list-style="bulleted"><li>Chief Underwriting Officer</li><li>Senior Property Treaty Underwriter</li><li>Head of Pricing / Portfolio Actuary</li></ul></div></article><article class="styles_audienceCard__L2mhK styles_audienceCardWithTileIcon__ZLSt7" data-audience-visual="tile-icon" data-background-card="true"><div class="styles_audienceCardContent__ceXjh"><span class="styles_audienceCardTileIcon___XYH3" data-audience-card-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="180" height="180" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/portfolio-screening/audiences

3/asset-management-investment.svg"/></span><h3>Asset management</h3><ul class="styles_audienceRoles__tSgR5" data-audience-roles="true" data-role-list-style="bulleted"><li>Head of Real Assets Acquisitions</li><li>Underwriting Lead</li><li>Head of Credit Research</li></ul></div></article><article class="styles_audienceCard__L2mhK styles_audienceCardWithTileIcon__ZLSt7" data-audience-visual="tile-icon" data-background-card="true"><div class="styles_audienceCardContent__ceXjh"><span class="styles_audienceCardTileIcon___XYH3" data-audience-card-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="180" height="180" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/portfolio-screening/audiences/government-public-sector.svg"/></span><h3>Government and public sector</h3><ul class="styles_audienceRoles__tSgR5" data-audience-roles="true" data-role-list-style="bulleted"><li>NFIP Risk Rating / Actuarial Lead</li><li>Head of Loan Guarantee Programs</li><li>Chief Actuary, State Insurance Dept.</li></ul></div></article><article class="styles_audienceCard__L2mhK styles_audienceCardWithTileIcon__ZLSt7" data-audience-visual="tile-icon" data-background-card="true"><div class="styles_audienceCardContent__ceXjh"><span class="styles_audienceCardTileIcon___XYH3" data-audience-card-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="180" height="180" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/portfolio-screening/audiences

3/academics-ngos-multilaterals.svg"/></span><h3>Academics, NGOs, and multilaterals</h3><ul class="styles_audienceRoles__tSgR5" data-audience-roles="true" data-role-list-style="bulleted"><li>Investment Officer, Project Appraisal</li><li>Disaster Risk Financing Specialist</li><li>Head of Parametric &amp; Insurance Solutions</li></ul></div></article><div class="styles_audienceRowFiller___6aje" aria-hidden="true"></div></div></section></div><div class="styles_proofSection__6HKF8 styles_researchProofSection__ySMMx" data-background-tone="navy" data-research-layout="compact-paper-links" data-section="proof"><section class="styles_container__WUjis styles_size-xl__eYh_7 styles_section__8ATY8 styles_researchCompactSection__Sv9DM"><div class="styles_researchCompactInner__HiQeM" data-research-compact-layout="true"><div data-research-summary="true"><header class="styles_sectionHeading__ZRfNA"><h2 data-section-heading="true" data-heading-scale="prototype">Underlying research</h2></header><div class="styles_researchCompactCopy__12iTl"><p>What goes into developing the most precise data available? Explore these reports to find out.</p></div></div><div class="styles_researchCompactLinkStack__zKc2u" data-research-link-stack="true"><div class="styles_mediaGrid__Y0Aoa styles_methodResearchGrid__6EdCf styles_paperLinkGrid__7WiSF" data-research-links="true"><article class="styles_mediaCard__6VElF" data-card-visual="paper-links" data-research-card="true"><a target="_blank" rel="noopener noreferrer" href="https://www.climatecentral.org/report/rising-seas-stretch-risk-zones" class="styles_link__b4mRh styles_size-md__15SLp styles_variant-arrow__pVlDF styles_theme-light__2Q4Jb styles_cardLink__T081U"><span class="styles_cardLinkIcon__25HXv" data-card-link-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="28" height="28" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/portfolio-screening/icon-analysis.svg"/></span>Risk Zone Analysis<svg width="18" height="18" fill="none" xmlns="http://www.w3.org/2000/svg" class="styles_arrow__hEBxd"><path fill-rule="evenodd" clip-rule="evenodd" d="M12.985 9.5l-3.4 3.4L11 14.313l5.657-5.657-1.414-1.414L11 3 9.586 4.414 12.672 7.5H2v2h10.985z" fill="#fff"></path></svg></a></article><article class="styles_mediaCard__6VElF" data-card-visual="paper-links" data-research-card="true"><a target="_blank" rel="noopener noreferrer" href="https://drive.google.com/file/d/1JhQlb43GQ96PJ5ovNL9alswo2hNg474H/view?usp=drive_open" class="styles_link__b4mRh styles_size-md__15SLp styles_variant-arrow__pVlDF styles_theme-light__2Q4Jb styles_cardLink__T081U"><span class="styles_cardLinkIcon__25HXv" data-card-link-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="28" height="28" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/coastaldem/icon-paper.svg"/></span>CoastalDEM white paper<svg width="18" height="18" fill="none" xmlns="http://www.w3.org/2000/svg" class="styles_arrow__hEBxd"><path fill-rule="evenodd" clip-rule="evenodd" d="M12.985 9.5l-3.4 3.4L11 14.313l5.657-5.657-1.414-1.414L11 3 9.586 4.414 12.672 7.5H2v2h10.985z" fill="#fff"></path></svg></a></article><article class="styles_mediaCard__6VElF" data-card-visual="paper-links" data-research-card="true"><a target="_blank" rel="noopener noreferrer" href="https://www.mdpi.com/2072-4292/16/17/3273" class="styles_link__b4mRh styles_size-md__15SLp styles_variant-arrow__pVlDF styles_theme-light__2Q4Jb styles_cardLink__T081U"><span class="styles_cardLinkIcon__25HXv" data-card-link-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="28" height="28" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/coastaldem/icon-paper.svg"/></span>Ranking of 10 global one-arc-second DEMs (Remote Sensing, 2024)<svg width="18" height="18" fill="none" xmlns="http://www.w3.org/2000/svg" class="styles_arrow__hEBxd"><path fill-rule="evenodd" clip-rule="evenodd" d="M12.985 9.5l-3.4 3.4L11 14.313l5.657-5.657-1.414-1.414L11 3 9.586 4.414 12.672 7.5H2v2h10.985z" fill="#fff"></path></svg></a></article><article class="styles_mediaCard__6VElF" data-card-visual="paper-links" data-research-card="true"><a target="_blank" rel="noopener noreferrer" href="https://www.nature.com/articles/s44183-025-00170-1" class="styles_link__b4mRh styles_size-md__15SLp styles_variant-arrow__pVlDF styles_theme-light__2Q4Jb styles_cardLink__T081U"><span class="styles_cardLinkIcon__25HXv" data-card-link-icon="true" aria-hidden="true"><img alt="" loading="lazy" width="28" height="28" decoding="async" data-nimg="1" style="color:transparent" src="/images/climate-services/coastaldem/icon-paper.svg"/>

3</span>Coastal conservation planning in the UAE (Nature, 2024)<svg width="18" height="18" fill="none" xmlns="http://www.w3.org/2000/svg" class="styles_arrow__hEBxd"><path fill-rule="evenodd" clip-rule="evenodd" d="M12.985 9.5l-3.4 3.4L11 14.313l5.657-5.657-1.414-1.414L11 3 9.586 4.414 12.672 7.5H2v2h10.985z" fill="#fff"></path></svg></a></article></div></div></div></section></div><section class="styles_container__WUjis styles_size-xl__eYh_7 styles_section__8ATY8" id="resources"><header class="styles_sectionHeading__ZRfNA"><h2 data-section-heading="true" data-heading-scale="prototype">Related products &amp; tools</h2></header><div class="styles_mediaGrid__Y0Aoa styles_relatedResourceGrid__rJaE_" data-related-resources="true"><article class="styles_mediaCard__6VElF" data-card-visual="related" data-resource-tier="purchase"><a class="styles_cardSurfaceLink__6hmUK" href="/climate-services/entry-floor-elevations"><div class="styles_cardImage__eJCMy" data-image-fit="contain" data-image-background="gradient" style="--card-image-from:#F3F4F2;--card-image-to:#DCD1D0"><img alt="Street-level building entrances above an elevation data layer" loading="lazy" width="600" height="500" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-entry-floor-elevations-layered.png&amp;w=640&amp;q=75 1x, /_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-entry-floor-elevations-layered.png&amp;w=1200&amp;q=75 2x" src="/_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-entry-floor-elevations-layered.png&amp;w=1200&amp;q=75"/></div><div class="styles_gradientStripe__T7iVY" data-gradient-stripe="true" aria-hidden="true"></div><div class="styles_mediaCardBody__5l6BK"><p class="styles_resourceTier__0m15g" data-tone="purchase">Commercial product</p><h3>Entry-Floor Elevations</h3><p>Precise measurements of when floodwater will hit the important parts of a building.</p><span class="styles_cardLink__T081U" data-card-link-affordance="true" data-link-emphasis="strong">Explore<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></span></div></a></article><article class="styles_mediaCard__6VElF" data-card-visual="related" data-resource-tier="purchase"><a class="styles_cardSurfaceLink__6hmUK" href="/climate-services/coastaldem"><div class="styles_cardImage__eJCMy" data-image-fit="contain" data-image-background="gradient" style="--card-image-from:#EDF6FC;--card-image-to:#DBDDF6"><img alt="Coastal terrain and flood exposure above a digital elevation data layer" loading="lazy" width="1448" height="1086" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Flayered-coastaldem-illustration.png&amp;w=1920&amp;q=75 1x, /_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Flayered-coastaldem-illustration.png&amp;w=3840&amp;q=75 2x" src="/_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Flayered-coastaldem-illustration.png&amp;w=3840&amp;q=75"/></div><div class="styles_gradientStripe__T7iVY" data-gradient-stripe="true" aria-hidden="true"></div><div class="styles_mediaCardBody__5l6BK"><p class="styles_resourceTier__0m15g" data-tone="purchase">Commercial product</p><h3>CoastalDEMÂ®</h3><p>The most precise elevation modeling of the worldâs coasts, available at high precision across the globe.</p><span class="styles_cardLink__T081U" data-card-link-affordance="true" data-link-emphasis="strong">Explore<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></span></div></a></article><article class="styles_mediaCard__6VElF" data-card-visual="related" data-resource-tier="purchase"><a class="styles_cardSurfaceLink__6hmUK" href="/climate-services/coastal-flood-layers"><div class="styles_cardImage__eJCMy" data-image-fit="contain" data-image-background="gradient" style="--card-image-from:#EDF6FC;--card-image-to:#DBDDF6"><img alt="A map of roads and waterways above a colored geospatial data layer" loading="lazy" width="600" height="500" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-coastal-flood-layers-layered.png&amp;w=640&amp;q=75 1x, /_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-coastal-flood-layers-layered.png&amp;w=1200&amp;q=75 2x" src="/_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-coastal-flood-layers-layered.png&amp;w=1200&amp;q=75"/></div><div class="styles_gradientStripe__T7iVY" data-gradient-stripe="true" aria-hidden="true"></div><div class="styles_mediaCardBody__5l6BK"><p class="styles_resourceTier__0m15g" data-tone="purchase">Commercial product</p><h3>Coastal Flood Layers</h3><p>Customizable sea level rise and coastal flood layers based on scenarios you select.</p><span class="styles_cardLink__T081U" data-card-link-affordance="true" data-link-emphasis="strong">Explore<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></span></div></a></article><article class="styles_mediaCard__6VElF" data-card-visual="related" data-resource-tier="purchase"><a class="styles_cardSurfaceLink__6hmUK" href="/climate-services/billion-dollar-disasters"><div class="styles_cardImage__eJCMy" data-image-fit="contain" data-image-background="gradient" style="--card-image-from:#FDF5F0;--card-image-to:#DCF6EB"><img alt="U.S. weather hazards above a layer of disaster cost charts and data" loading="lazy" width="600" height="500" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-billion-dollar-disasters-layered.png&amp;w=640&amp;q=75 1x, /_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-billion-dollar-disasters-layered.png&amp;w=1200&amp;q=75 2x" src="/_next/image?url=%2Fimages%2Fclimate-services%2Fcoastaldem%2Frelated-billion-dollar-disasters-layered.png&amp;w=1200&amp;q=75"/></div><div class="styles_gradientStripe__T7iVY" data-gradient-stripe="true" aria-hidden="true"></div><div class="styles_mediaCardBody__5l6BK"><p class="styles_resourceTier__0m15g" data-tone="purchase">Commercial product</p><h3>Billion-Dollar Disasters</h3><p>Find detailed insights into the costliest weather and climate disasters in the U.S.</p><span class="styles_cardLink__T081U" data-card-link-affordance="true" data-link-emphasis="strong">Explore<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></span></div></a></article></div></section><div class="styles_contactSection__qSX96" data-background-tone="ice" data-landing-page-contact="true" data-section="contact" id="contact">

3<section class="styles_container__WUjis styles_size-xl__eYh_7 styles_contactInner___V2LB"><div><p class="styles_darkEyebrow__1BAOi">UNDERWRITING &amp; PRICING</p><h2>How to get started</h2><p>Our team can discuss coverage, delivery options, and licensing terms for Underwriting &amp; Pricing groups.</p></div><div class="styles_contactActions__XjfXf"><div class="styles_contactLinks__9GHi9"><a href="mailto:[email protected]"><span>Sales</span><strong>[email protected]</strong><svg viewBox="0 0 24 24" aria-hidden="true"><path d="M5 12h13M13 6l6 6-6 6"></path></svg></a></div></div></section></div><div data-background-tone="ice" data-section="disclaimer"><section class="styles_container__WUjis styles_size-xl__eYh_7 styles_disclaimerInner__yKWz0"><p class="styles_disclaimer__SCbr1">See the<!-- --> <a class="styles_disclaimerLink__wV8Lv" href="/what-we-do/legal">Terms of Use</a> <!-- -->for Disclaimers of Warranties and Liability. 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