Intermap's AI Flood Risk Platform Adopted Across Czech Insurance Market

Deployment establishes national underwriting standard as Europe confronts widening protection gaps and structural underinsurance

Intermap Technologies (“Intermap” or the “Company”), a global leader in 3D geospatial products and intelligence solutions, today announced that eight leading insurers, representing a majority of the Czech residential property insurance market, have adopted Intermap’s AI flood risk platform, including its sixth-generation river flood maps and second-generation flash flood models, to support underwriting, property valuation and portfolio risk management nationwide.

The multi-year deployment, developed in coordination with the Czech Insurance Association and the Czech Hydrometeorological Institute, incorporates hydrological recalibrations following the severe flooding events of September 2024 and establishes a unified flood risk framework across the Czech insurance sector.

The 2024 floods underscored the broader structural catastrophe protection gap across Europe and the growing issue of property underinsurance. According to Swiss Re sigma research, 25–40% of natural catastrophe losses in Europe are insured, and in certain markets properties are insured for as little as 40% of their replacement value due to rapid price appreciation and outdated valuation methodologies. These structural gaps highlight the need for investment-grade geospatial intelligence embedded directly into underwriting, valuation and exposure management workflows.

The Czech deployment positions Intermap as the market standard for property-level flood risk assessment and valuation support, enabling insurers to more accurately quantify replacement cost, accumulation exposure and catastrophe risk.

Intermap’s 2026 flood models introduce material technical enhancements, including revised return-period classifications in impacted basins, integration of bridge capacity and bottleneck effects across more than 130 municipalities, and 20-centimeter digital elevation simulations to model urban flash flooding at building-level precision.

Central to the deployment is Intermap’s Risk Assistant, an AI-enabled analytics platform that automates complex geospatial risk evaluation at scale. Moving beyond static address lookups, the system integrates proprietary 3D elevation data, precision vector datasets and multi-peril hazard layers to deliver objective, property-specific risk assessments in real time. The platform also incorporates meteorological and geophysical datasets including hail, wind, lightning and seismic activity to support multi-peril underwriting and automated claims validation.

“The 2024 floods confirmed that high-quality, up-to-date data is essential for insurers,” said Jan Matoušek, Executive Director of the Czech Insurance Association. “This platform enables precise, object-level evaluation and supports more informed underwriting and reinsurance decisions across the market.”

“Our adoption across the Czech insurance sector demonstrates that advanced geospatial analytics are becoming core underwriting infrastructure across Europe, not supplemental tools,” said Patrick A. Blott, Chairman and CEO of Intermap. “By combining our proprietary 3D foundation data with AI-enabled automation, we deliver investment-grade geospatial intelligence with assured position, accuracy and timing — enabling a common operating picture across the industry. In an environment where underinsurance remains a systemic European challenge, our platform supports more accurate property valuation, exposure transparency and risk-based pricing while advancing our strategy to expand recurring analytics across Europe’s insurance markets.”

Learn more about Intermap’s European solutions at intermap.com/european-solutions.