Objectives of the service
Use a bold image to start your webpage. It can be a photo or an infographic like this. Remember that you project webpage can be a powerful marketing tool.
Flooding causes growing losses for insurers, businesses, and communities, yet current tools often stop at assessing risk without offering practical solutions. Insurance professionals such as underwriters, risk engineers, and claims teams need clear, property-specific insights that can reduce damage, lower costs, and support resilient portfolios.
Mitigrate’s service addresses this gap by combining high-resolution satellite imagery, geospatial information, building vulnerability data, and weather forecasts to deliver tailored prevention recommendations. The platform not only shows where risks exist, including surface and river flooding, but also provides a catalogue of permanent and emergency measures with cost ranges and expected loss reduction. Reports can be shared with stakeholders, helping insurers, reinsurers, and property owners act on reliable information.
During the ESA demonstration project, Mitigrate expands its platform with new databases of measures in place, river flood modelling, and improved scenario tools for climate adaptation. Working closely with partners such as Gjensidige, the largest insurer in Norway, the project validates these solutions in real-world insurance workflows.
Users and their needs
The service is currently targeted at the insurance sector, with a focus on underwriters, risk engineers, claims handlers, and reinsurance professionals. These users are directly involved in the activity through pilots with Gjensidige in Norway, and outreach is ongoing in the Nordics, Germany, and the United Kingdom.
User needs include:
- Access to assessments both in the office and remotely.
- Ability to retrieve property assessments in bulk for entire portfolios.
- Inclusion of river flood risk in addition to surface and runoff flooding.
- Clear recommendations for both permanent and emergency loss prevention measures.
- Information on measures already in place and quantification of additional impact.
- Transparent estimates of potential damage cost and loss reduction after measures.
- Options to share reports with stakeholders in accessible formats.
- Scalable coverage across different geographies at varying quality levels.
Service/ system concept
The service provides insurers and their teams with property-specific flood risk assessments and practical prevention measures. Users receive clear information on the level of flood risk (surface, runoff, and river flooding), what protective measures are already in place, and which additional actions can reduce potential damage. Each recommendation is supported by estimated costs and expected loss reduction, making it easier to act on reliable data. Reports can be exported and shared with stakeholders, ensuring decisions are transparent and collaborative.
In simple terms, the system works by combining satellite images, geographic data, building information, and weather forecasts. This information is processed to create maps showing where risks are high and what solutions will work best in each location.
At a high level, the architecture is built around three steps:
- Collect data from satellites, weather services, and user input.
- Analyse and model risks and the suitability of prevention measures.
- Deliver results through a web-based platform, accessible anywhere without the need for special software.
Space Added Value
The service uses Earth observation satellites and related geospatial assets to deliver actionable flood prevention insights. High-resolution imagery is employed to detect building characteristics, land use, and existing protective measures, while digital terrain and surface models derived from satellite data enable precise assessment of flood pathways and water accumulation. In addition, satellite-based weather forecasts will be integrated to anticipate extreme rainfall events and support emergency recommendations.
The added value of space assets lies in their global coverage, scalability, and independence from local data availability. Competing methods often rely on fragmented or low-quality datasets that vary by country and are costly to harmonise. By contrast, satellite data provides a consistent, high-resolution baseline that can be applied across regions, enabling insurers to scale services quickly into new geographies.
Combining these assets with artificial intelligence and geospatial analytics allows Mitigrate to produce property-specific prevention recommendations, bridging a gap between traditional risk models and practical adaptation solutions. This approach not only improves accuracy but also reduces costs compared to conventional field surveys, making it possible to extend prevention insights to millions of properties in both mature and data-poor markets.
Current Status
Use photos, maps or screen grabs in this section.
The project has successfully established a pilot partnership with Gjensidige in Norway, where over 100 insurance professionals will be testing the platform across underwriting, risk engineering, and claims. The team has integrated new processes and developed the first prototype of loss reduction calculations. Currently, the focus is on building vulnerability analysis and enhancing the Prevent module with emergency recommendation features. Upcoming activities include extended testing across multiple regions in the Nordics, UK, and expanding the service to other countries in Europe such as Germany. These steps will demonstrate the scalability of the service and prepare it for wider adoption in European insurance markets.
