Do you cover the whole of South Africa?

Not yet. We are building coverage region by region. Every offering flags its coverage status — production, beta, or roadmap — and individual results carry the hazard-layer version that produced them. Contact us with the geographies you care about and we will tell you exactly where we stand.

How do you price your work for insurers?

Most engagements today are scoped projects (hazard mapping, claims dispute work) or per-report (property-level scoring). Portfolio exposure runs are typically per-portfolio. A subscription platform that consolidates these capabilities is in development; pricing for that will be published when it goes live.

Can you support reinsurance-grade flood modelling?

The methodology we use for hazard mapping and portfolio exposure is designed to be defensible in reinsurance review — hydrology is traceable, hydraulic calibration is documented, and sensitivity is explicit. Whether that rises to a given reinsurer's standards depends on their own acceptance criteria; we are happy to walk through our methodology up front so there are no surprises at renewal.

Are results delivered as data we can use, or only as reports?

Both. Reports explain the methodology; data files (GIS layers, CSV/Parquet) let your analytics team use the results in their own pipelines. We agree the formats up front so the deliverable slots into how you already work.

What about claims — can we get an independent view?

Yes. Our [Claims Dispute Support](/flood-risk-intelligence/claims-dispute-support/) offering provides independent hydraulic evidence on a specific claim. We are not loyal to either side of the dispute — we model what the physics supports.

Is there a platform we can demo?

Not yet. The consolidated Insurance Risk Platform is on our roadmap but is not live. We are not running a demo environment, and there is no login. When that changes, the [Insurance Risk Platform](/flood-risk-intelligence/insurance-risk-platform/) page will say so directly.

How do we get started?

Book a discovery call. We will talk through the geographies, portfolios, and events you care about, tell you exactly what we can deliver today (and what we cannot), and scope a first engagement.

Sector / Insurance

Flood Risk Intelligence for South African Insurers

Flood hazard mapping, portfolio exposure, claims-dispute evidence, and post-event loss modelling for South African insurers. Delivered as expert engagements today; platform consolidation on the roadmap.

Underwriting flood risk across geographies with uneven data quality
Quantifying accumulation and concentration risk in a property portfolio
Defending or disputing flood claims with independent, defensible evidence
Responding quickly after a flood event with a portfolio-level loss estimate
Meeting regulatory and reinsurance expectations around flood modelling rigour

Why Delta Hydro

Methodology you can audit

Hydrology, hydraulic scheme, and depth-damage logic are documented per engagement. Nothing is a black-box score.

Defensible under technical review

Deliverables are structured so that reinsurers, internal model-risk teams, or counsel can trace every number back to a documented source.

Engineering-led, not only actuarial

Our modellers build the hazard physics first; the loss numbers flow from there. We combine with your actuarial view rather than replacing it.

What we offer insurers

All of the below are delivered as expert engagements today. The consolidated platform that will host them is in development — see the Platform column.

Underwriting & exposure

Flood Hazard Mapping Beta — growing coverage
Depth-and-velocity flood hazard layers for return periods used by insurers, engineers, and municipalities. Delivered as a scoped engagement producing GIS layers, a methodology report, and a brief for reviewers.
Property-Level Flood Risk Scoring Beta — growing coverage
Flood score, return-period depths, and supporting evidence for a single South African address. Delivered as per-report lookups or batched data; self-service API is on the roadmap.
Portfolio Exposure Quantification Beta — growing coverage
Run an insurance portfolio against our hazard layers. Expected annual loss, accumulation, and concentration metrics delivered as a report plus data files — no black-box.

Claims & disputes

Claims Dispute Support Production
Independent, defensible hydraulic evidence for contested flood claims. Modelled extents at the date of loss, delivered as an expert report with GIS backing.
Post-Event Loss Modelling Production
Rapid flood footprint and portfolio-level loss estimate after a significant event. Delivered as an engagement; tuned for reinsurance reporting and reserve-setting timelines.

Platform (in development)

Insurance Risk Platform Roadmap
A subscription platform consolidating our hazard layers, portfolio exposure, property scoring, and post-event tooling for ongoing insurer use. In development — register interest.
We are not running a demo login; the roadmap page above is the source of truth.

Flood risk intelligence coverage for insurance

We are building toward national coverage. Each offering below shows where it stands today.

Production

Available today with established methodology.

Beta — growing coverage

Available for selected regions; expanding nationally.

Roadmap

In development — not yet available as a live offering.

Insurance Risk Platform

Consulting services frequently paired with the above

Flood Risk Assessment
Quantified flood risk for developers, mines, and public-sector projects. Clear scenarios & mitigation options. Request a quote — Delta Hydro Engineers.
Flood Damage Assessment
Post-flood forensic hydrology for insurance, recovery & disputes — clear mechanisms & documentation. Delta Hydro Engineers.
Floodline Determination
Defensible floodline mapping for SA planning & municipal review. HEC-RAS/MIKE workflows, GIS-ready outputs. Request a quote — Delta Hydro Engineers.
Hydraulic Modelling
1D/2D hydraulic modelling with HEC-RAS & MIKE for floodlines, structures, and consequence mapping. Delta Hydro Engineers.

Custom software for insurers

Data Pipelines & Integration
Ingest, transform, and serve hydrological, meteorological, and telemetry data. Pipelines that feed models, dashboards, and decisions — engineered for the messiness of real-world water data.

Flood risk, without the black-box

Insurance decisions — underwriting, claims, reserves, reinsurance — increasingly hinge on flood modelling. The market answer so far has mostly been black-box scores: defensible internally, opaque externally, and painful to reconcile with your own book.

We are building a different kind of flood risk intelligence for South African insurers. The methodology is transparent, the coverage status is visible, and the outputs integrate with how your underwriters and claims teams actually work. Today that comes as expert-delivered services. Tomorrow it will also come as a subscription platform; we are explicit about which is which.

How we work with insurers

Most engagements follow a simple arc:

Discovery call. You tell us the book, the geographies, the events, or the claims dispute you care about. We tell you exactly what we can deliver — today — and what is on the roadmap.
Pilot engagement. One scoped piece of work — a hazard layer for a region, a portfolio exposure run, a claims-dispute evidence pack — so both sides can judge fit on real work, not a pitch.
Ongoing relationship. Retainer, per-portfolio, or platform subscription (when that launches). Whichever shape works for your budgeting cycle and your internal approval flow.

We do not insist on long commitments for the first engagement. If the pilot does not land, you do not owe us a second.

FAQs

Do you cover the whole of South Africa?: Not yet. We are building coverage region by region. Every offering flags its coverage status — production, beta, or roadmap — and individual results carry the hazard-layer version that produced them. Contact us with the geographies you care about and we will tell you exactly where we stand.
How do you price your work for insurers?: Most engagements today are scoped projects (hazard mapping, claims dispute work) or per-report (property-level scoring). Portfolio exposure runs are typically per-portfolio. A subscription platform that consolidates these capabilities is in development; pricing for that will be published when it goes live.
Can you support reinsurance-grade flood modelling?: The methodology we use for hazard mapping and portfolio exposure is designed to be defensible in reinsurance review — hydrology is traceable, hydraulic calibration is documented, and sensitivity is explicit. Whether that rises to a given reinsurer's standards depends on their own acceptance criteria; we are happy to walk through our methodology up front so there are no surprises at renewal.
Are results delivered as data we can use, or only as reports?: Both. Reports explain the methodology; data files (GIS layers, CSV/Parquet) let your analytics team use the results in their own pipelines. We agree the formats up front so the deliverable slots into how you already work.
What about claims — can we get an independent view?: Yes. Our [Claims Dispute Support](/flood-risk-intelligence/claims-dispute-support/) offering provides independent hydraulic evidence on a specific claim. We are not loyal to either side of the dispute — we model what the physics supports.
Is there a platform we can demo?: Not yet. The consolidated Insurance Risk Platform is on our roadmap but is not live. We are not running a demo environment, and there is no login. When that changes, the [Insurance Risk Platform](/flood-risk-intelligence/insurance-risk-platform/) page will say so directly.
How do we get started?: Book a discovery call. We will talk through the geographies, portfolios, and events you care about, tell you exactly what we can deliver today (and what we cannot), and scope a first engagement.

Book an insurance discovery call