Using the FloodScore™ Property API, you can call up and integrate the data you need from our FloodScore™ Property Database as and when you need it. You always have access to the most current data, and there are no costs for data hosting or data management.

A visualisation showing how FloodScore™ works

At a Glance

  • Includes an easy-to-compare AAL-based flood risk score for each property
  • Matches each address with a Unique Property Reference Number (UPRN)
  • Can be used for commercial and residential risk rating
  • Covers 100% of properties in Great Britain and Northern Ireland
  • Considers risk from rivers, tidal waters, groundwater and rainfall
  • Includes information on flood depth
  • Provides a range of return periods
  • Uses hydrological and 2D hydraulic modelling and LiDAR wherever available.
  • Validated against actual flooding and claims data from recent events
  • Regularly updated
  • Designed to support better Flood Re ceding decisions

The FloodScore™ Property API (application programming interface) uses the most complete and up-to-date flood risk data available to quantify the likelihood of an individual property being flooded due to rainfall, overflowing rivers or tidal surges. Besides providing an overall flood risk score for every property, it also classifies the flood risk as being Negligible, Minimal, Moderate, High or Extreme.

Our team can help you integrate FloodScore™ with your own underwriting systems and adapt our flood score risk rating index to fit your flood underwriting strategy and your appetite for risk.

The FloodScore™ API subscription fee is based on the number of properties you want to check each year. All packages are based on an annual contract, and offer a flexible licensing structure.

Request a free data sample to test against your claims


  • Improved loss ratios
  • Better accumulation control
  • More consistent flood underwriting
  • Quicker and easier to assess flood risk
  • Always on and current

Click to view the technical details

Data sources used

Flood sources

  • Fluvial (rivers)
  • Tidal (sea/estuary/coastal)
  • Flash (pluvial/surface water)
  • Groundwater

Layers available

  • Depths (maximum depth experienced during flood in metres)
  • Average annual loss (AAL) in GB£ or as mean damage ratios (MDR)
  • Flood risk rating for each flood source and combined FloodScore™
  • Defended and undefended data fields
  • Detail on flood defences and flood defence standard
  • Distance to floodplain (in metres)

AAL calculation

To maintain national homogeneity, the mean damage to an ‘average’ property type has been used (combined buildings and contents) to estimate the losses against each return period.

Horizontal grid resolution

5 metres

Update frequency

  • Annual and after major flood events
  • OS AddressBase data is updated every six weeks in line with OS update cycle and made available at suitable time periods.


Regularly validated and calibrated against actual flood events in the UK.

Approximately 6 million properties are at risk from some form of flooding in the UK.

Mark Nunns

Get in Touch

To get a quote or to discuss what you need, contact Mark Nunns

Call me on 0203 857 8543

Or email at

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