Official maps and own models
State flood maps and European data, complemented by our own physical models on LiDAR terrain.
Bytero Shield™
Natural-hazard risk per building.
Enter an address. Shield returns its official flood zone, the modelled water depth at the building for return periods Q5 to Q1000, and each further hazard, turned into an expected yearly loss in euros through published damage curves. The loss level was checked against real premiums and against industry claims totals. The figure is a model estimate; Shield holds no claims history of the building. An accept, review or decline rule fires per address and names the rule.
Get accessNatural hazards
The hazards assessed at the building
Flood, surface water, landslide, windstorm, hail, snow, earthquake, lightning and wildfire. Each comes with its physical quantity, a score and an expected yearly loss in euros.
Water
Floodm · Q5 to Q1000
River flooding from the official flood maps and the EU Floods Directive data, plus the modelled water depth at the building for return periods Q5 to Q1000.
Water
Surface waterm · 5 m model
Our own 2D surface-runoff model on 5 m LiDAR terrain in cities shows where a cloudburst pools and how deep.
Wind and atmosphere
Windstormm/s
The 50-year gust in metres per second at the address, refined by terrain to a 100 m grid.
Wind and atmosphere
Haildays / yr
Expected hail days per year from a climatology, with how often severe storms form over the address.
Wind and atmosphere
SnowkN/m²
Design snow load by zone and elevation, in kN/m², the figure a structural check and an insurance contract use.
Wind and atmosphere
Lightningdays / yr
Thunderstorm days per year from an ERA5 model calibrated on weather stations, with the flash density per km² derived from them.
Ground and fire
Landslides0 to 100
Slope susceptibility from geological data and terrain gradient, scored 0 to 100.
Ground and fire
EarthquakePGA
Peak ground acceleration at the address from the European ESHM20 model.
Ground and fire
Wildfire0 to 100
Wildfire risk from vegetation, climate and terrain, scored 0 to 100.
Flood
The layers of the flood model
Flood has the most detailed model of the hazards. The rows below follow the steps of a flood model in order, and the guide under them explains each step.
- Rain
- Rain curves give how much rain a short, intense storm drops at each return period and drive the rain layer. They come from weather and climate model output, not from rain gauge records.
- River flow and how often
- From the official flood maps, built by the state water authorities on the design flows of the national hydrological services, at each return period they publish. Where a state map gives no depth, the European maps of the Joint Research Centre fill it in.
- Where the water goes
- For rivers, the official flood outlines laid on the terrain, or the European maps, with the defended and undefended pictures kept apart. For rain, our surface-water model lets rain soak into open ground, run off roofs and paving, and flow around buildings to where it collects.
- What it meets
- Each building, with the storey of the insured unit and the height of its entrance above the ground. They decide whether the water outside gets in, and how deep it stands above the floor.
- What you get
- For each building and each return period: the water depth at the ground and above the insured floor, for river and for rain, the speed of rain water where the model records it, and the flood zone. For a portfolio: how many locations fall in each flood zone, and the districts and towns where they cluster.
How it works
How Shield computes a loss
Damage curves from paid claims
The depth-damage curves come from published studies of paid flood claims on masonry stock. The loss level was checked against real premiums and against industry claims totals.
Score, band and euros
Each address gets a score, a band, an underwriting rule and a loss in euros per year.