[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"node-by-slug-\u002Fen\u002Finsights\u002Fwhy-shifting-flood-patterns-demand-new-risk-models-en":3,"related-content-view":413},["Reactive",4],{"entity":5,"errors":-1},{"__typename":6,"status":7,"metatag":8,"id":202,"path":203,"title":204,"translations":205,"sharedHeaderRefMedia":213,"sharedTeaserTitle":13,"sharedTeaserText":242,"sharedTeaserRefMedia":244,"sharedParagraphs":246,"sharedTaxrefIndustries":343,"sharedTaxrefExpertises":347,"sharedIntroText":354,"sharedCtaLink":215,"sharedDate":356,"sharedAuthor":358},"NodeInsight",true,[9,14,18,21,25,30,34,38,42,46,50,54,58,62,66,69,73,76,79,81,84,87,91,95,99,103,107,111,115,119,123,127,131,135,139,142,145,148,151,154,157,160,163,166,170,174,177,181,185,189,192,196,200],{"tag":10,"attributes":11},"meta",{"name":12,"content":13},"title","Why shifting flood patterns demand new risk models",{"tag":10,"attributes":15},{"name":16,"content":17},"description","Europe's floods are becoming faster and more complex. Insurers need new risk intelligence, prevention services, and resilient products to protect customers.",{"tag":10,"attributes":19},{"name":20,"content":17},"abstract",{"tag":10,"attributes":22},{"name":23,"content":24},"icbm","51.525772, -0.082716",{"tag":26,"attributes":27},"link",{"rel":28,"href":29},"canonical","https:\u002F\u002Fcms.zuehlke.com\u002Fen\u002Finsights\u002Fwhy-shifting-flood-patterns-demand-new-risk-models",{"tag":10,"attributes":31},{"name":32,"content":33},"robots","index, 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AG",{"tag":10,"attributes":55},{"property":56,"content":57},"og:type","website",{"tag":10,"attributes":59},{"property":60,"content":61},"og:url","https:\u002F\u002Fwww.zuehlke.com\u002Fen\u002Finsights\u002Fwhy-shifting-flood-patterns-demand-new-risk-models",{"tag":10,"attributes":63},{"property":64,"content":65},"og:title","Why shifting flood patterns demand new risk models – Zühlke",{"tag":10,"attributes":67},{"property":68,"content":17},"og:description",{"tag":10,"attributes":70},{"property":71,"content":72},"og:image","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Fmax_1300x1300\u002Fpublic\u002Fimages\u002FHeader_why_shifting_flood_patterns_demand_new_risk_models.jpeg?itok=LVEUGS3R",{"tag":10,"attributes":74},{"property":71,"content":75},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fzuhlke_innovation_social.jpg",{"tag":10,"attributes":77},{"property":78,"content":72},"og:image:url",{"tag":10,"attributes":80},{"property":78,"content":75},{"tag":10,"attributes":82},{"property":83,"content":72},"og:image:secure_url",{"tag":10,"attributes":85},{"property":83,"content":86},"https:\u002F\u002Fwww.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fzuhlke_innovation_social.jpg",{"tag":10,"attributes":88},{"property":89,"content":90},"og:image:alt","image",{"tag":10,"attributes":92},{"property":93,"content":94},"og:updated_time","2026-05-07",{"tag":10,"attributes":96},{"property":97,"content":98},"place:location:longitude","7.438014",{"tag":10,"attributes":100},{"property":101,"content":102},"place:location:latitude","46.947944",{"tag":10,"attributes":104},{"property":105,"content":106},"og:street_address","80 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5000",{"tag":10,"attributes":132},{"property":133,"content":134},"og:locale","en_CH",{"tag":10,"attributes":136},{"property":137,"content":138},"og:locale:alternate","de_CH",{"tag":10,"attributes":140},{"property":137,"content":141},"de_DE",{"tag":10,"attributes":143},{"property":137,"content":144},"en_DE",{"tag":10,"attributes":146},{"property":137,"content":147},"en_AT",{"tag":10,"attributes":149},{"property":137,"content":150},"de_AT",{"tag":10,"attributes":152},{"property":137,"content":153},"en_HK",{"tag":10,"attributes":155},{"property":137,"content":156},"en_SR",{"tag":10,"attributes":158},{"property":137,"content":159},"en_BG",{"tag":10,"attributes":161},{"property":137,"content":162},"en_SG",{"tag":10,"attributes":164},{"property":137,"content":165},"en_GB",{"tag":10,"attributes":167},{"property":168,"content":169},"article:publisher","https:\u002F\u002Fwww.facebook.com\u002Fzuehlke.group",{"tag":10,"attributes":171},{"property":172,"content":173},"article:published_time","2026-01-15",{"tag":10,"attributes":175},{"property":176,"content":94},"article:modified_time",{"tag":10,"attributes":178},{"name":179,"content":180},"twitter:card","summary_large_image",{"tag":10,"attributes":182},{"name":183,"content":184},"twitter:site","@zuehlke_group",{"tag":10,"attributes":186},{"name":187,"content":188},"twitter:site:id","247189965",{"tag":10,"attributes":190},{"name":191,"content":90},"twitter:image:alt",{"tag":10,"attributes":193},{"name":194,"content":195},"twitter:image","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Fmax_1300x1300\u002Fpublic\u002Fimages\u002FHeader_why_shifting_flood_patterns_demand_new_risk_models.jpeg?itok=LVEUGS3R,https:\u002F\u002Fwww.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fzuhlke_innovation_social.jpg",{"tag":10,"attributes":197},{"name":198,"content":199},"google-site-verification","VEzolc1Vxy1KyRIlIqUSmVS7fqP_3_ZeBqPRby4g2mE",{"tag":201},"script","26914","\u002Fen\u002Finsights\u002Fwhy-shifting-flood-patterns-demand-new-risk-models","Why shifting flood patterns demand new risk models ",[206,209],{"path":203,"langcode":207},{"id":208},"en",{"path":210,"langcode":211},"\u002Fde\u002Finsights\u002Fwarum-neue-hochwasserverhaeltnisse-ein-umdenken-in-der-risikomodellierung-erzwingen",{"id":212},"de",{"id":214,"sharedMediaLegend":215,"mediaImage":216,"name":241},"172797",null,{"url":217,"width":218,"height":219,"alt":220,"title":215,"size":221,"mime":222,"variations":215,"headerMinimalVariations":223},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002FHeader_why_shifting_flood_patterns_demand_new_risk_models.jpeg",4592,3056,"Heavy rainfall creating ripples on the water surface",8718102,"image\u002Fjpeg",[224,229,230,235,240],{"name":225,"url":226,"width":227,"height":228},"FOCAL_POINT32_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_small\u002Fpublic\u002Fimages\u002FHeader_why_shifting_flood_patterns_demand_new_risk_models.jpeg.webp?itok=6sbkgA8_",800,533,{"name":225,"url":226,"width":227,"height":228},{"name":231,"url":232,"width":233,"height":234},"FOCAL_POINT169_MEDIUM","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_16_9_medium\u002Fpublic\u002Fimages\u002FHeader_why_shifting_flood_patterns_demand_new_risk_models.jpeg.webp?itok=9Vv1pth5",1200,675,{"name":236,"url":237,"width":238,"height":239},"FOCAL_POINT169_LARGE","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_16_9_large\u002Fpublic\u002Fimages\u002FHeader_why_shifting_flood_patterns_demand_new_risk_models.jpeg.webp?itok=lCL0biRm",1600,900,{"name":236,"url":237,"width":238,"height":239},"Header_why_shifting_flood_patterns_demand_new_risk_models.jpeg",{"processed":243},"\u003Cp>Europe's floods are becoming faster and more complex. Insurers need new risk intelligence, prevention services, and resilient products to protect customers.\u003C\u002Fp>",{"id":214,"sharedMediaLegend":215,"mediaImage":245,"name":241},{"url":217,"width":218,"height":219,"alt":220,"title":215,"size":221,"mime":222,"variations":215},[247,254,259,267,273,294,299,329,334],{"__typename":248,"id":249,"ctaLink":215,"pgSharedText":250,"pgSharedTitle":215,"pgSharedCtaLink":215},"ParagraphPgText","33949",{"value":251,"processed":252,"format":253},"\u003Cp>A single trigger now often sets off a chain of impacts: debris flows, river blockages, groundwater rise, drainage overloads, and downstream flooding.\u003C\u002Fp>\u003Cp>These developments are also having significant knock-on effects on insurers and reinsurers. Assets once considered low risk are now exposed to pluvial flash floods. Alpine regions face compound hazards that exceed the assumptions embedded in long-established risk frameworks. As events evolve more dynamically, the need to shift from paying for losses to proactively managing them becomes unavoidable.\u003C\u002Fp>\u003Cp>At Zühlke, we advocate for \u003Ca href=\"\u002Fnode\u002F26265\" data-entity-type=\"node\" data-entity-uuid=\"3030ad8f-55fa-49b2-a8d3-3b9853c5b126\" data-entity-substitution=\"canonical\" title=\"Discover how we help insurers navigate transformation and create lasting value\">resilience as an insurance business imperative\u003C\u002Fa>. Prevention, \u003Ca href=\"\u002Fnode\u002F26486\" data-entity-type=\"node\" data-entity-uuid=\"915b40f2-5188-4476-b86c-7e831565887f\" data-entity-substitution=\"canonical\" title=\"Discover how we help organisations turn AI ambition into real-world impact\">real-time intelligence\u003C\u002Fa>, and adaptability are no longer optional, they are fundamental to sustaining profitability and protecting customers in an increasingly unstable climate. That means investing in capabilities to anticipate, absorb, and recover from disruption. Let's take a closer look at the key drivers.\u003C\u002Fp>","\u003Cp>A single trigger now often sets off a chain of impacts: debris flows, river blockages, groundwater rise, drainage overloads, and downstream flooding.\u003C\u002Fp>\u003Cp>These developments are also having significant knock-on effects on insurers and reinsurers. Assets once considered low risk are now exposed to pluvial flash floods. Alpine regions face compound hazards that exceed the assumptions embedded in long-established risk frameworks. As events evolve more dynamically, the need to shift from paying for losses to proactively managing them becomes unavoidable.\u003C\u002Fp>\u003Cp>At Zühlke, we advocate for \u003Ca href=\"\u002Fen\u002Findustries\u002Finsurance\" data-entity-type=\"node\" data-entity-uuid=\"3030ad8f-55fa-49b2-a8d3-3b9853c5b126\" data-entity-substitution=\"canonical\" title=\"Discover how we help insurers navigate transformation and create lasting value\">resilience as an insurance business imperative\u003C\u002Fa>. Prevention, \u003Ca href=\"\u002Fen\u002Fexpertise\u002Fai-implementation\" data-entity-type=\"node\" data-entity-uuid=\"915b40f2-5188-4476-b86c-7e831565887f\" data-entity-substitution=\"canonical\" title=\"Discover how we help organisations turn AI ambition into real-world impact\">real-time intelligence\u003C\u002Fa>, and adaptability are no longer optional, they are fundamental to sustaining profitability and protecting customers in an increasingly unstable climate. That means investing in capabilities to anticipate, absorb, and recover from disruption. Let's take a closer look at the key drivers.\u003C\u002Fp>","full_html",{"__typename":248,"id":255,"ctaLink":215,"pgSharedText":256,"pgSharedTitle":258,"pgSharedCtaLink":215},"33950",{"value":257,"processed":257,"format":253},"\u003Cp>Flood risks are no longer seasonal, predictable, or geographically contained. They emerge from surface runoff, rapid river overflow, groundwater intrusion, and alpine processes, increasingly acting together rather than in isolation. Floods remain one of the costliest perils, and losses now accumulate faster and deviate further from historical patterns than conventional risk models can capture.  \u003C\u002Fp>\u003Cp>What is clear is that flooding events have become an annual reality in Germany, Austria, and Switzerland as climate change, settlement development, and regulation coincide.\u003C\u002Fp>\u003Cp>In our analysis of current market developments, based on claims data, research, and discussions with insurers, we identify three key trends that are increasingly shaping flood risk in the DACH region. \u003Cstrong>These trends are not only changing the frequency and dynamics of events but also the way insurers need to model, assess, and manage risks. \u003C\u002Fstrong>\u003C\u002Fp>","Three structural macro trends behind increasing flood risks",{"__typename":260,"id":261,"pgEmbededCode":262,"fullWidth":266,"edgeToEdge":266},"ParagraphPgCustomCode","33966",{"value":263,"processed":264,"format":265},"\u003Ch4 class=\"title\">\r\n\r\n    The key drivers of the changing risk landscape\r\n\u003C\u002Fh2>\r\n \r\n\u003Cdiv style=\"width: 100%;\">\u003Cdiv style=\"position: relative; padding-bottom: 56.25%; padding-top: 0; height: 0;\">\u003Ciframe title=\"Systemic risk shift EN\" frameborder=\"0\" width=\"1200\" height=\"675\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" src=\"https:\u002F\u002Fview.genially.com\u002F693fe0e30939a5c2285d49fb\" type=\"text\u002Fhtml\" allowscriptaccess=\"always\" allowfullscreen=\"true\" scrolling=\"yes\" allownetworking=\"all\">\u003C\u002Fiframe> \u003C\u002Fdiv> \u003C\u002Fdiv>","\u003Ch4 class=\"title\">\n\n    The key drivers of the changing risk landscape\n\u003C\u002Fh2>\n \n\u003Cdiv style=\"width: 100%;\">\u003Cdiv style=\"position: relative; padding-bottom: 56.25%; padding-top: 0; height: 0;\">\u003Ciframe title=\"Systemic risk shift EN\" frameborder=\"0\" width=\"1200\" height=\"675\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" src=\"https:\u002F\u002Fview.genially.com\u002F693fe0e30939a5c2285d49fb\" type=\"text\u002Fhtml\" allowscriptaccess=\"always\" allowfullscreen=\"true\" scrolling=\"yes\" allownetworking=\"all\">\u003C\u002Fiframe> \u003C\u002Fdiv> \u003C\u002Fdiv>","custom_code",false,{"__typename":248,"id":268,"ctaLink":215,"pgSharedText":269,"pgSharedTitle":272,"pgSharedCtaLink":215},"33951",{"value":270,"processed":271,"format":253},"\u003Cp>Pricing reliability and loss ratios that shape the insurance industry's long-term stability are threatened by increasing secondary-peril events, more volatile losses, and pressure on traditional risk models. In recent years, insurers and reinsurers have already made meaningful progress in \u003Ca href=\"\u002Fnode\u002F26837\" data-entity-type=\"node\" data-entity-uuid=\"d0ae4ea0-7016-4b9f-bd9d-eab26ed3ee79\" data-entity-substitution=\"canonical\" title=\"Discover how we help insurers shift from reactive coverage to proactive prevention\">prevention and resilience\u003C\u002Fa>. At the same time, the landscape continues to change. Growing losses, customer expectations, and regulatory pressure are pushing the industry to scale these efforts through new services and business models.  \u003C\u002Fp>\u003Cp>\u003Cstrong>For reinsurers, enhanced natural catastrophe (NatCat) prevention remains a critical lever for preserving insurability while opening new avenues in data, analytics, and advisory offerings.  \u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>While most insurers acknowledge this, there is considerable variation in the pace at which they can adapt.\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Pricing reliability and loss ratios that shape the insurance industry's long-term stability are threatened by increasing secondary-peril events, more volatile losses, and pressure on traditional risk models. In recent years, insurers and reinsurers have already made meaningful progress in \u003Ca href=\"\u002Fen\u002Finsights\u002Ffrom-coverage-to-prevention-the-next-frontier-in-insurance\" data-entity-type=\"node\" data-entity-uuid=\"d0ae4ea0-7016-4b9f-bd9d-eab26ed3ee79\" data-entity-substitution=\"canonical\" title=\"Discover how we help insurers shift from reactive coverage to proactive prevention\">prevention and resilience\u003C\u002Fa>. At the same time, the landscape continues to change. Growing losses, customer expectations, and regulatory pressure are pushing the industry to scale these efforts through new services and business models.  \u003C\u002Fp>\u003Cp>\u003Cstrong>For reinsurers, enhanced natural catastrophe (NatCat) prevention remains a critical lever for preserving insurability while opening new avenues in data, analytics, and advisory offerings.  \u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>While most insurers acknowledge this, there is considerable variation in the pace at which they can adapt.\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","How the insurance industry is responding to increasing natural catastrophe (NatCat) risks",{"__typename":274,"id":275,"title":276,"lead":215,"tabs":277},"ParagraphTab","33956","Why insurers adapt at different speeds",[278,286],{"infoText":279,"pgSharedParagraphs":280},"Reason 1: Uneven demand across industries ",[281],{"id":282,"ctaLink":215,"pgSharedText":283,"pgSharedTitle":279,"pgSharedCtaLink":215},"33952",{"value":284,"processed":285,"format":253},"\u003Cp>Insurers want to expand prevention services across sectors, but policyholder demand varies significantly. Behavioural science explains this through three drivers: \u003C\u002Fp>\u003Cul>\u003Cli data-list-item-id=\"ecec2739d9dee6dbe1395d031f2b51c59\">\u003Cstrong>Severity:\u003C\u002Fstrong> Organisations act when disruptions or downtime costs feel high.\u003C\u002Fli>\u003Cli data-list-item-id=\"e46fd997fc073ba471c6ac746d46411b8\">\u003Cstrong>Efficacy: \u003C\u002Fstrong>Investment increases when there is confidence that measures deliver real impact.\u003C\u002Fli>\u003Cli data-list-item-id=\"e54e1343907c5a4133602ae15564e0b6b\">\u003Cstrong>Resources: \u003C\u002Fstrong>Action is enabled when sufficient capital, skills or regulatory drivers are in place. \u003C\u002Fli>\u003C\u002Ful>\u003Cp>This leads to natural variation: \u003C\u002Fp>\u003Cul>\u003Cli data-list-item-id=\"e343a4556dd50578dd31f7c0a5bb43b1b\">\u003Cstrong>Highly exposed sectors\u003C\u002Fstrong> (e.g., energy or logistics) have long invested in resilience.\u003C\u002Fli>\u003Cli data-list-item-id=\"e508d57d3e4467e195b866972cce86052\">\u003Cstrong>Newly exposed industries\u003C\u002Fstrong> are only now recognising climate and supply-chain vulnerabilities.\u003C\u002Fli>\u003Cli data-list-item-id=\"e30c7ccec18c167dca7760823b7a07890\">\u003Cstrong>Companies recently hit by disruption \u003C\u002Fstrong>respond quickly because the risk feels real.\u003C\u002Fli>\u003Cli data-list-item-id=\"e207ba51203ac57ba23911c4694e38238\">\u003Cstrong>Organisations with low margins or limited digital maturity\u003C\u002Fstrong> move slowly, even when urgency is high.\u003C\u002Fli>\u003C\u002Ful>","\u003Cp>Insurers want to expand prevention services across sectors, but policyholder demand varies significantly. Behavioural science explains this through three drivers: \u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Severity:\u003C\u002Fstrong> Organisations act when disruptions or downtime costs feel high.\u003C\u002Fli>\u003Cli>\u003Cstrong>Efficacy: \u003C\u002Fstrong>Investment increases when there is confidence that measures deliver real impact.\u003C\u002Fli>\u003Cli>\u003Cstrong>Resources: \u003C\u002Fstrong>Action is enabled when sufficient capital, skills or regulatory drivers are in place. \u003C\u002Fli>\u003C\u002Ful>\u003Cp>This leads to natural variation: \u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Highly exposed sectors\u003C\u002Fstrong> (e.g., energy or logistics) have long invested in resilience.\u003C\u002Fli>\u003Cli>\u003Cstrong>Newly exposed industries\u003C\u002Fstrong> are only now recognising climate and supply-chain vulnerabilities.\u003C\u002Fli>\u003Cli>\u003Cstrong>Companies recently hit by disruption \u003C\u002Fstrong>respond quickly because the risk feels real.\u003C\u002Fli>\u003Cli>\u003Cstrong>Organisations with low margins or limited digital maturity\u003C\u002Fstrong> move slowly, even when urgency is high.\u003C\u002Fli>\u003C\u002Ful>",{"infoText":287,"pgSharedParagraphs":288},"Reason 2: Operating pressures inside insurers ",[289],{"id":290,"ctaLink":215,"pgSharedText":291,"pgSharedTitle":287,"pgSharedCtaLink":215},"33954",{"value":292,"processed":293,"format":253},"\u003Cp>Innovation in prevention isn’t held back only by demand-side pressures. On the operating side, insurers’ own realities also influence how quickly they can evolve. Structural constraints, legacy systems, and the way data is managed all shape the pace and direction of change inside the organisation.\u003C\u002Fp>\u003Cul>\u003Cli data-list-item-id=\"e617326f4a519a779bb0b909e75204cce\">\u003Cstrong>Legacy core business:\u003C\u002Fstrong> Insurance is rooted in actuarial stability and risk transfer. Prevention requires new incentives, new skill sets and a mindset shift toward continuous adaptation.\u003C\u002Fli>\u003Cli data-list-item-id=\"eaa2846ff1c672681f3c89011bfa99074\">\u003Cstrong>Data fragmentation: \u003C\u002Fstrong>Insurers possess large volumes of data but struggle to convert them into actionable, industry-specific insights that clients can apply.\u003C\u002Fli>\u003Cli data-list-item-id=\"e1808c6f67426f2810fef08ea21ed1e89\">\u003Cstrong>Cost pressure:\u003C\u002Fstrong> Rising NatCat losses increase capital strain. This often results in budget cuts for innovation, undermining the very capabilities needed to manage growing uncertainty. \u003C\u002Fli>\u003C\u002Ful>","\u003Cp>Innovation in prevention isn’t held back only by demand-side pressures. On the operating side, insurers’ own realities also influence how quickly they can evolve. Structural constraints, legacy systems, and the way data is managed all shape the pace and direction of change inside the organisation.\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Legacy core business:\u003C\u002Fstrong> Insurance is rooted in actuarial stability and risk transfer. Prevention requires new incentives, new skill sets and a mindset shift toward continuous adaptation.\u003C\u002Fli>\u003Cli>\u003Cstrong>Data fragmentation: \u003C\u002Fstrong>Insurers possess large volumes of data but struggle to convert them into actionable, industry-specific insights that clients can apply.\u003C\u002Fli>\u003Cli>\u003Cstrong>Cost pressure:\u003C\u002Fstrong> Rising NatCat losses increase capital strain. This often results in budget cuts for innovation, undermining the very capabilities needed to manage growing uncertainty. \u003C\u002Fli>\u003C\u002Ful>",{"__typename":248,"id":295,"ctaLink":215,"pgSharedText":296,"pgSharedTitle":215,"pgSharedCtaLink":215},"33957",{"value":297,"processed":298,"format":253},"\u003Cp>For insurers, choosing the right target segment — where pain, readiness, and growth potential align — is critical to designing attractive and scalable prevention offerings.\u003C\u002Fp>\u003Cp>To succeed, insurers need a clear understanding of which risks matter most to their clients, beyond hazard maps or generic climate data. They must design services that are simple and repeatable. They need a \u003Ca href=\"\u002Fnode\u002F6647\" data-entity-type=\"node\" data-entity-uuid=\"685fea0a-4ce0-4b5d-ba0f-6fb137f51971\" data-entity-substitution=\"canonical\" title=\"Discover how we help organisations unlock value through intelligent data solutions\">data foundation\u003C\u002Fa> that turns information into decisions clients trust, can clearly interpret, and act on. Finally, insurers must create organisational conditions to test ideas quickly, despite legacy processes and cost constraints.\u003C\u002Fp>\u003Cp>\u003Cstrong>When these elements come together, prevention can evolve from a promising concept into a mature, valuable offering for insurers, reinsurers, and the industries they serve. \u003C\u002Fstrong>\u003C\u002Fp>","\u003Cp>For insurers, choosing the right target segment — where pain, readiness, and growth potential align — is critical to designing attractive and scalable prevention offerings.\u003C\u002Fp>\u003Cp>To succeed, insurers need a clear understanding of which risks matter most to their clients, beyond hazard maps or generic climate data. They must design services that are simple and repeatable. They need a \u003Ca href=\"\u002Fen\u002Fexpertise\u002Fdata-solutions\" data-entity-type=\"node\" data-entity-uuid=\"685fea0a-4ce0-4b5d-ba0f-6fb137f51971\" data-entity-substitution=\"canonical\" title=\"Discover how we help organisations unlock value through intelligent data solutions\">data foundation\u003C\u002Fa> that turns information into decisions clients trust, can clearly interpret, and act on. Finally, insurers must create organisational conditions to test ideas quickly, despite legacy processes and cost constraints.\u003C\u002Fp>\u003Cp>\u003Cstrong>When these elements come together, prevention can evolve from a promising concept into a mature, valuable offering for insurers, reinsurers, and the industries they serve. \u003C\u002Fstrong>\u003C\u002Fp>",{"__typename":300,"id":301,"eyebrow":215,"pgQuoteRefQuote":302,"hideImage":266,"hideFunctionAndCompany":266,"bigQuote":266},"ParagraphPgQuote","33965",[303],{"status":7,"id":304,"promote":266,"quotePersonDesc":305,"quotePersonName":306,"quoteText":307,"profileImage":308,"title":13},"26917","Principal Client Manager","Patrizio Bisante ","Many organisations still equate resilience solely with prevention. In reality, resilience also means gaining clarity fast when events unfold and being able to recover efficiently once the damage is done.\r\n",{"id":309,"sharedMediaLegend":215,"mediaImage":310,"name":328},"172795",{"url":311,"width":312,"height":312,"alt":313,"title":215,"size":314,"mime":222,"variations":215,"quoteVariations":315},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002FPatrizio_Bisante.jpeg",648,"Patrizio Bisante profile pic",82434,[316,320,323,326,327],{"name":317,"url":318,"width":319,"height":319},"FOCAL_POINT11_EXTRA_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_extra_small\u002Fpublic\u002Fimages\u002FPatrizio_Bisante.jpeg.webp?itok=HCBL6UOc",400,{"name":321,"url":322,"width":312,"height":312},"FOCAL_POINT11_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_small\u002Fpublic\u002Fimages\u002FPatrizio_Bisante.jpeg.webp?itok=mX2_Cc-K",{"name":324,"url":325,"width":312,"height":312},"FOCAL_POINT11_MEDIUM","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_medium\u002Fpublic\u002Fimages\u002FPatrizio_Bisante.jpeg.webp?itok=lIub_hZb",{"name":324,"url":325,"width":312,"height":312},{"name":324,"url":325,"width":312,"height":312},"Patrizio_Bisante.jpeg",{"__typename":248,"id":330,"ctaLink":215,"pgSharedText":331,"pgSharedTitle":333,"pgSharedCtaLink":215},"33967",{"value":332,"processed":332,"format":253},"\u003Cp>The trends discussed affect each segment differently, but all point toward the same conclusion: climate risks are changing faster and less predictably than before. To secure long-term insurability, pricing stability, and resilience, insurers and reinsurers must focus on four strategic levers.\u003C\u002Fp>\u003Cp>\u003Cstrong>By taking these levers seriously, insurers can move from reactive loss compensation toward a forward-looking, prevention-oriented role that identifies risks early and reduces them effectively. \u003C\u002Fstrong>\u003C\u002Fp>\u003Ch3>\u003Cstrong>1. Build NatCat risk intelligence\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp class=\"text-normal\">Natural hazards today occur more dynamically and often in combination. Insurance companies need an integrated NatCat risk information base that brings together data from claims history, property valuation, geographic hazard models, and external sources.  \u003C\u002Fp>\u003Cp class=\"text-normal\">This also requires organisational expertise: \u003Cstrong>specialised teams that systematically analyse natural hazards\u003C\u002Fstrong> and translate these insights into underwriting, pricing, and prevention \u003C\u002Fp>\u003Ch3>\u003Cstrong>2. Shift from reaction to prevention\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>As climate-induced events become more frequent and losses escalate, prevention evolves from a supplemental offering into a strategic requirement.\u003C\u002Fp>\u003Cp>For insurance companies, this means using their \u003Cstrong>risk analyses to specifically identify the buildings, regions, and infrastructures where preventive measures will have the greatest impact\u003C\u002Fstrong>. Hazard maps, sensor technology, and structural protection measures make it possible to deploy prevention where it can actually influence loss development.\u003C\u002Fp>\u003Ch3>\u003Cstrong>3. Increase responsiveness\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>When heavy rainfall or flooding occurs, speed matters. Insurers do not replace emergency services, but they play a decisive role in recognising risks early, processing information quickly, and supporting customers and internal teams before damages escalate.\u003C\u002Fp>\u003Cp>Responsiveness determines \u003Cstrong>how well organisations anticipate dynamic risk situations and how effectively they can influence business continuity\u003C\u002Fstrong> and the loss trajectory — long before physical intervention begins. \u003C\u002Fp>\u003Ch3>\u003Cstrong>4. Rethink insurance products\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>Traditional insurance products assume stable hazard zones and repeatable patterns. These assumptions erode when climate-driven dynamics outpace modelling updates.\u003C\u002Fp>\u003Cp>Insurers must \u003Cstrong>rethink product logic, pricing mechanisms, and risk-sharing models\u003C\u002Fstrong> to stay relevant. Customers increasingly expect preventive guidance, and geographical boundaries of risk are becoming fluid. The challenge is strategic: to design products that remain viable in future risk scenarios while supporting transparency, prevention, and financial stability. \u003C\u002Fp>","Four strategic levers for insurers and reinsurers",{"__typename":248,"id":335,"ctaLink":336,"pgSharedText":339,"pgSharedTitle":341,"pgSharedCtaLink":342},"33964",{"title":337,"url":338,"internal":7},"Contact us","\u002Fen\u002Fcontact",{"value":340,"processed":340,"format":253},"\u003Cp>Flood risk is changing rapidly. Climate trends, settlement patterns, and regulatory expectations are leading to increasing losses and reducing the reliability of traditional insurance models. Insurers now operate in a world where events unfold quickly, interact in new ways, and no longer follow past patterns.\u003C\u002Fp>\u003Cp>\u003Cstrong>Zühlke can help you get clarity on your exposure, understand where prevention creates real value, and explore new resilience services — before the next event arrives. The time to move is now. \u003C\u002Fstrong>\u003C\u002Fp>","Why prevention is becoming unavoidable",{"title":337,"url":338,"internal":7},[344],{"id":345,"name":346},"11","Insurance",[348,351],{"id":349,"name":350},"19","Digital strategy",{"id":352,"name":353},"887","Business transformation",{"processed":355},"\u003Cp>Across Europe, climate volatility is reshaping the risk landscape in ways that traditional insurance systems were never built to absorb. Recent events, from the Birch Glacier collapse in Valais to rapid-onset urban floods in Bern, show how quickly local incidents can escalate into multi-hazard scenarios.\u003C\u002Fp>\n",{"timestamp":357},1778155200,[359,380,393],{"status":7,"contactName":360,"contactProfession":361,"contactLinkedinUrl":362,"sharedEmail":365,"sharedRefMedia":366},"Dr. Elena Monastyrnaya","Head of Sustainability Transformation",{"title":363,"url":364,"internal":266},"","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Felena-monastyrnaya-715107200","elena.monastyrnaya@zuehlke.com",{"id":367,"sharedMediaLegend":215,"mediaImage":368,"name":379},"172735",{"url":369,"width":312,"height":312,"alt":370,"title":215,"size":371,"mime":222,"variations":215,"authorVariations":372},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002FElena%20Monastyrnaya.jpg","Elena Monastyrnaya profile picture",207544,[373,375,376,377,378],{"name":321,"url":374,"width":312,"height":312},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_small\u002Fpublic\u002Fimages\u002FElena%20Monastyrnaya.jpg.webp?itok=UybMwt4G",{"name":321,"url":374,"width":312,"height":312},{"name":321,"url":374,"width":312,"height":312},{"name":321,"url":374,"width":312,"height":312},{"name":321,"url":374,"width":312,"height":312},"Elena Monastyrnaya.jpg",{"status":7,"contactName":381,"contactProfession":305,"contactLinkedinUrl":382,"sharedEmail":384,"sharedRefMedia":385},"Patrizio Bisante",{"title":363,"url":383,"internal":266},"https:\u002F\u002Flinkedin.com\u002Fin\u002Fpatriziobisante","patrizio.bisante@zuehlke.com",{"id":309,"sharedMediaLegend":215,"mediaImage":386,"name":328},{"url":311,"width":312,"height":312,"alt":313,"title":215,"size":314,"mime":222,"variations":215,"authorVariations":387},[388,389,390,391,392],{"name":321,"url":322,"width":312,"height":312},{"name":321,"url":322,"width":312,"height":312},{"name":321,"url":322,"width":312,"height":312},{"name":321,"url":322,"width":312,"height":312},{"name":321,"url":322,"width":312,"height":312},{"status":7,"contactName":394,"contactProfession":395,"contactLinkedinUrl":396,"sharedEmail":398,"sharedRefMedia":399},"Charlotte Seiler","Senior Consulting 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