Guides
How property valuation, hazard risk and price data actually work
Definitions, methods and source inventories written for the people who buy and audit this data: insurers, lenders, investors and the analysts who check their numbers. Every page opens with the answer, carries its figures in tables, and lists the public sources it rests on.
Valuation
Insurance
- Rebuild cost vs market value: how the sum insured is setWhy the two values diverge, how carriers set the sum insured, underinsurance and proportional reduction, with a worked example.
- LiDAR building volume as a rebuild-cost inputHow measured building volume replaces footprint-times-storeys guesses in reconstruction cost, and where it breaks.
Risk
- Expected annual loss for a property, with a worked exampleExceedance probability, return periods, depth-damage curves and how the annual loss turns into a technical premium.
- Address-level flood risk scoring: zones, return periods and depthFluvial vs pluvial flooding, EU Floods Directive maps, modelled depth vs zone membership and why district scores fail.
Methodology
Data sources
- Flood-risk data sources in SlovakiaSVP hazard and risk maps, SHMÚ hydrology, ÚGKK elevation data and the European JRC maps: what each holds and how to get it.
- Flood-risk data sources in CzechiaČAP insurer flood zones, DIBAVOD and ČHMÚ data, state river basin enterprises and the European JRC maps.
- Flood-risk data sources in PolandISOK hazard maps, Wody Polskie, IMGW, GUGiK elevation data and the European JRC maps.
- Flood-risk data sources in HungaryOVF hazard and risk maps, the Danube and Tisza defence system, Lechner elevation data and the European JRC maps.
- Property price data sources in SlovakiaNBS price statistics, the statistical office, Eurostat, the cadastre and portal asking prices: what is public and what is not.
- Property price data sources in CzechiaČSÚ transaction indices, ČNB, Eurostat, the cadastre price records and portal asking prices.
- Property price data sources in PolandThe NBP housing market report, GUS, Eurostat, county price registers and portal asking prices.
- Property price data sources in HungaryMNB and KSH indices, Eurostat, the paid cadastral registers and portal asking prices.
How these pages are written
- Answer first. The opening paragraph is the complete short answer; the rest of the page is the working.
- Every number traces to a public source or a named dataset, listed at the end of the page. A figure that cannot be sourced is described, not invented.
- Bytero appears as one worked example of a method, not as the subject. Where availability matters, the page points to the coverage page rather than making a claim in passing.
- Pages are revised when the data behind them changes, not re-dated for the sake of it. The vintage of each figure is stated in the sentence that uses it.
Also on this site: vendor comparisons, the glossary, the Bytero Live asking-price index and the flood check by address.