Bytero Shield™
Natural-hazard risk assessment at the level of a single address.
Bytero Shield assesses risk for an individual address. It combines official government flood maps, modeled water depth by return period, nine natural hazards and damage curves calibrated to real premiums. The output is a flood zone, an expected annual loss in euros and an accept / review / decline recommendation. Coverage: Slovakia, Czechia and Poland, plus Florida and Texas on FEMA data.
Natural hazards
Nine natural hazards assessed at the level of a single address. Each comes with a physical quantity, a relative risk score and an expected annual loss in euros (AAL).
River flooding from official maps and pan-European data, plus modeled water depth at the address by return period Q5 to Q1000.
Our own 2D hydrodynamic surface-runoff model on LiDAR terrain, 5 m resolution in cities: where water stops and how deep.
Wind gusts refined by terrain to 100 m: the 50-year gust in metres per second for the exact address.
Hail climatology: expected hail days per year and the environment’s propensity for severe storms.
Design snow load by zone and elevation, in kN/m², an input for structural checks and insurance.
Lightning strike density from climatology: strikes per square kilometre per year around the address.
Slope susceptibility to landslides from geological data and terrain gradient, scored 0 to 100.
Seismic hazard from the European ESHM20 model: peak ground acceleration (PGA) at the address.
Wildfire risk from vegetation, climate and terrain, scored 0 to 100.
How Bytero Shield computes risk
- 1
Official maps and own models
State flood maps and European data are complemented by our own physical models on LiDAR terrain.
- 2
Calibrated on claims
Loss curves are calibrated on the market’s real claims experience, not on theory.
- 3
Score, band and euros
Every address gets a score, a band, an underwriting recommendation and a loss in euros per year.