REOR20
Physics-trained AI flood simulation for insurance risk, underwriting, and claims
Overview
REOR20 is a flood risk modeling platform for insurance carriers, brokers, and risk managers, providing AI-powered flood simulation and hazard intelligence for underwriting, loss modeling, and claims management. The company is based in Zurich, Switzerland and serves clients globally through cloud-based tools.
The company develops DeepWater, a physics-trained AI engine that converts rainfall data into actionable flood impact assessments within seconds. The system models water depth, flow velocity, flood extent, and timing by combining computational fluid dynamics with machine learning -- enabling faster, lower-cost analysis than traditional hydrological approaches. Three product modules address forecasting, portfolio risk assessment, and post-event reconstruction.
REOR20 has received seed funding from investors including InsurTech NY, Lloyd's of London, Plug and Play Tech Center, and Climate Collider. The company is a Lloyd's Lab Cohort 10 alumnus (2023), won the inaugural Lloyd's Europe Insurance Innovation Competition in 2023, and validated its flood models against Lloyd's marketplace loss data.
Products & Services
DeepWater Forecasting
Converts rainfall data into flood impact predictions in seconds for real-time deployment anywhere in the world. Delivers hazard information including water depth, flow velocity, and flood extent at significantly lower cost than traditional hydrological modeling.
Key Features
- Real-time global deployment capability
- Physics-based AI engine for rapid flood prediction
- Supports personal, commercial, and government insurance lines
Target Users: Insurance carriers, risk managers, emergency response planners
DeepWater Risk
Enables portfolio stress-testing using thousands of flood scenarios. Allows carriers and risk managers to assess flood exposure across large property portfolios, supporting underwriting decisions and loss modeling analytics.
Key Features
- Large-scale portfolio flood exposure assessment
- Thousands of scenario runs at reduced cost
- Supports underwriting and actuarial workflows
Target Users: Carriers, reinsurers, MGAs
DeepWater Post-Event
Reconstructs historical and recent flood events with forensic accuracy within hours rather than weeks. Provides detailed analysis to support claims management and loss assessment.
Key Features
- Rapid post-event flood reconstruction
- Forensic accuracy in event analysis
- Supports claims triage and loss adjustment
Target Users: Claims teams, loss adjusters, carriers
On-Demand Flood Intelligence
Provides event-level data on demand, including water depth, flow velocity, flood extent, and timing variables for any location globally.
Key Features
- On-demand access to flood event data
- Global coverage
- Usable for risk assessment and mitigation planning
Target Users: Risk managers, underwriters, brokers
At a Glance
- Founded
- 2019
- Headquarters
- Zurich, Switzerland
- Employees
- 1-10
- Funding
- Seed
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Flood risk modeling CAT analytics climate risk intelligence
- Insurance Verticals
- P&C Commercial P&C Personal Specialty/E&S Reinsurance
- Target Customers
- Carriers, Brokers, MGAs/MGUs, Reinsurers
Customers
- Lloyd's of London (model validation partner)
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Last updated: 2026-06-16