A susceptibility modifier for every property

See our early demo

We are building one number per property that adjusts the loss your catastrophe model already produces. It will account for the trees, buildings, and open ground upwind of the structure.

Naples at 1 km and at 10 m

A 1 km model gives every building in a cell the same wind. At 10 m, a beachfront lot and a house five streets back sit on different ground.

Six homes that share one cell

A 1 km model gives all six the same $1,840 a year of expected hurricane loss. The modifier would separate them by what stands upwind of each.

Plan of a Gulf-front block traced from the Naples aerial, six homes numbered 1 to 6 from the first row inland. Illustrative
Order

    Adjusted loss is the baseline times the modifier.

    Where it sits in your workflow

    The modifier will add one step between your catastrophe model and your decisions, used only where you want it.

    1 · YOURS, AS TODAY2 · YOURS, AS TODAY3 · ADDED4 · YOURS ExposureYour catastrophe modelDownstream susceptibility modifierYour decisions locations and constructionhazard at about 1 km, baseline lossone per property, a prediction based upon surroundingspricing, selection, portfolio, PML
    1. 1 · Yours, as todayExposurelocations and construction
    2. 2 · Yours, as todayYour catastrophe modelhazard at about 1 km, baseline loss
    3. 3 · AddedDownstream susceptibility modifierone per property, a prediction based upon surroundings
    4. 4 · YoursYour decisionspricing, selection, portfolio, PML
    Pen sketch of a shore neighborhood at sunrise, hip-roofed houses and palms above a beach.

    Get in touch

    We love feedback. If you’re working through interesting problems in wind risk, let’s chat.

    ted@downstream.earth
    marketing@downstream.earth

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