# Fathom > Global flood and climate risk intelligence for the insurance industry ## At a glance | Field | Value | | --- | --- | | Category | Reinsurance Technology | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Bristol, United Kingdom | | Founded | 2013 | | Stage | Established | | Employees | 51-200 | | Funding | Acquired | ## Overview Fathom is a catastrophe modeling and climate risk data platform focused on water perils, serving reinsurers, carriers, brokers, and financial institutions worldwide. Founded in 2013 as a University of Bristol spin-out, the company provides global flood risk mapping, CAT modeling, and climate scenario analytics that support insurance underwriting, portfolio management, and regulatory disclosure. Swiss Re acquired Fathom in December 2023, integrating its technology into the reinsurer's internal CAT modeling operations. The platform delivers inundation models at 30-meter resolution, flood hazard assessments across multiple climate scenarios, and financial loss modeling extending to 2100. Products are accessible via RESTful API and integrate with major insurance core systems. The company's methodology emphasizes scientific transparency, drawing on hydrological research developed at the University of Bristol. Fathom serves over 100 organizations across insurance, engineering, financial markets, and international development. Notable users include the World Bank, the Bank of England, AXA, Canopius, and Aon. The 2023 Swiss Re acquisition validated the platform's enterprise positioning and accelerated distribution to the global reinsurance market. ## Products & services ### Global Flood Cat A catastrophe model covering all major flood perils globally, designed for rapid exposure analysis and portfolio risk assessment in insurance underwriting. **Key features:** - Global coverage of flood, storm surge, and pluvial perils - Financial loss modeling for insurance portfolio assessment - Rapid exposure analysis for individual risk and portfolio\-level decisions *Target users:* Reinsurers, CAT modelers, P&C and specialty carriers ### Global Flood Maps Flood hazard mapping products available for multiple regions with global expansion, generating risk scores for any location under various climate scenarios. **Key features:** - 30\-meter resolution inundation models for flood hazard assessment - Risk scores for individual locations under current and future climate scenarios - Coverage for US, UK, Japan, and other major markets *Target users:* Underwriters, brokers, risk managers, asset managers ### FathomDEM\+ Advanced digital elevation model using hybrid vision transformer technology for high-fidelity terrain representation supporting hydrological modeling. **Key features:** - Vision transformer\-based terrain analysis - High\-accuracy elevation data for flood simulation - Supports complex hydrological modeling workflows *Target users:* Engineering firms, CAT modelers, geospatial analysts ### Event Response Rapid assessment tools for climate disaster response, enabling quick impact analysis during and after major flood events. **Key features:** - Near\-real\-time flood impact assessment - Post\-event exposure quantification - Supports claims triage and emergency response planning *Target users:* Reinsurers, carriers, emergency management teams ### Climate Risk Data & Analytics Climate scenario modeling extending analysis to 2100, supporting portfolio risk assessment, financial due diligence, and regulatory climate disclosure. **Key features:** - Multi\-decade climate scenario projections to 2100 - Regulatory\-ready reporting for climate disclosure requirements - Portfolio\-level financial risk quantification under climate stress scenarios *Target users:* Carriers, reinsurers, asset managers, banks ## Category & focus - Subcategories: CAT Modeling, Climate Risk Analytics, Flood Risk Data, Exposure Management - Insurance verticals: P&C Commercial, Specialty/E&S, Reinsurance - Target customers: Carriers, Brokers, Reinsurers ## Notable customers - Swiss Re \(parent company\) - World Bank - Bank of England - AXA - Canopius - Aon ## Links - Website: - Directory profile: - Careers: - Linkedin: --- *Last updated: 2026\-05\-12*