The new maps will be provided by Intermap Technologies - a Canadian-American geospatial intelligence firm with a European hub in Prague. The initiative, coordinated with the Czech Insurance Association (ČAP) and technical input from experts at Charles University’s Faculty of Science, aims to offer insurers deeper transparency and objectivity in flood risk evaluation. The improved data suite will be supplied to major domestic insurers, including Allianz, ČSOB Pojišťovna, Generali Česká pojišťovna, Kooperativa, Slavia, and others.
The updated modelling framework combines the sixth generation of river flood maps and the second generation of flash flood maps with enhanced meteorological, hydrological, and climatological data. These tools are integrated into a newly developed digital platform - the Risk Assistant - that goes beyond static zone maps to provide multi-layered, location-specific risk insights.
According to ČAP Executive Director Jan Matoušek, the 2024 floods revealed limitations in conventional flood mapping assumptions, underscoring the need for richer, more precise datasets. “We’re no longer just talking about maps and tables,” Matoušek said, stressing that the new analytic platform enables insurers to evaluate risk with a level of detail previously unavailable.
The upgraded maps also incorporate refined hydrological modelling, including revised return-period flows and bridge profile effects - key learnings drawn from recent extreme events - to more accurately represent flood behavior in urban and rural settings.
This development underscores a broader trend across Europe in strengthening climate and catastrophe risk assessment, as insurers and regulators increasingly turn to advanced geospatial tools to inform underwriting, pricing, and resilience planning.
Find more details on the ČAP’s website.
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