RiskMeter Storm Surge OverviewRiskMeter Storm Surge Overview

Produced by Produced by CDS Business Mapping, LLC. CDS Business Mapping, LLC.

©Copyright 2007, CDS Business Mapping, LLC. All Rights Reserved.

IntroductionIntroduction

Insurance companies, particularly Insurance companies, particularly commercial insurers, are concerned with commercial insurers, are concerned with coastal floodingcoastal flooding

Hurricane Katrina was more of a flood Hurricane Katrina was more of a flood event than a wind eventevent than a wind event

Recent court rulings have held insurers Recent court rulings have held insurers liable for hurricane flooding even if not liable for hurricane flooding even if not technically coveredtechnically covered

About CDS Storm Surge ModelAbout CDS Storm Surge Model

Model is based upon two different sourcesModel is based upon two different sources SLOSH ModelSLOSH Model

Most well known storm surge modelMost well known storm surge model State Storm Surge ContoursState Storm Surge Contours

States have done work to map actual areas States have done work to map actual areas inundated by storm surgeinundated by storm surge

What is SLOSH Data?What is SLOSH Data?

Slosh predicts storm surge levels based upon different hurricane categories

The data we used predicts storm surge heights at high tide

worst case scenario

The heights shown are the surge heights above sea-level, not above the ground

Texas SLOSH BasinsTexas SLOSH Basins

Overlapping basins

Slosh Basins-Long IslandSlosh Basins-Long Island

7.7,11.7,15.5,18.67.7,11.7,15.5,18.67.7,11.7,15.5,18.67.7,11.7,15.5,18.67.7,11.7,15.5,18.67.7,11.7,15.5,18.67.7,11.7,15.5,18.67.7,11.7,15.5,18.67.7,11.7,15.5,18.6

8,12.4,16.5,19.88,12.4,16.5,19.88,12.4,16.5,19.88,12.4,16.5,19.88,12.4,16.5,19.88,12.4,16.5,19.88,12.4,16.5,19.88,12.4,16.5,19.88,12.4,16.5,19.8

8.3,13,17.3,20.28.3,13,17.3,20.28.3,13,17.3,20.28.3,13,17.3,20.28.3,13,17.3,20.28.3,13,17.3,20.28.3,13,17.3,20.28.3,13,17.3,20.28.3,13,17.3,20.2

3.3,7.3,13.5,17.63.3,7.3,13.5,17.63.3,7.3,13.5,17.63.3,7.3,13.5,17.63.3,7.3,13.5,17.63.3,7.3,13.5,17.63.3,7.3,13.5,17.63.3,7.3,13.5,17.63.3,7.3,13.5,17.6

3.5,7.4,13.6,18.13.5,7.4,13.6,18.13.5,7.4,13.6,18.13.5,7.4,13.6,18.13.5,7.4,13.6,18.13.5,7.4,13.6,18.13.5,7.4,13.6,18.13.5,7.4,13.6,18.13.5,7.4,13.6,18.1

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

8.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.6

8.4,12.1,16,19.78.4,12.1,16,19.78.4,12.1,16,19.78.4,12.1,16,19.78.4,12.1,16,19.78.4,12.1,16,19.78.4,12.1,16,19.78.4,12.1,16,19.78.4,12.1,16,19.7

8.4,12.1,16,19.88.4,12.1,16,19.88.4,12.1,16,19.88.4,12.1,16,19.88.4,12.1,16,19.88.4,12.1,16,19.88.4,12.1,16,19.88.4,12.1,16,19.88.4,12.1,16,19.8

8.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.68.4,12.1,15.9,19.6

8.4,12.2,16.1,208.4,12.2,16.1,208.4,12.2,16.1,208.4,12.2,16.1,208.4,12.2,16.1,208.4,12.2,16.1,208.4,12.2,16.1,208.4,12.2,16.1,208.4,12.2,16.1,20

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

7.2,11,14.5,17.57.2,11,14.5,17.57.2,11,14.5,17.57.2,11,14.5,17.57.2,11,14.5,17.57.2,11,14.5,17.57.2,11,14.5,17.57.2,11,14.5,17.57.2,11,14.5,17.5

7.6,11.7,15.5,18.47.6,11.7,15.5,18.47.6,11.7,15.5,18.47.6,11.7,15.5,18.47.6,11.7,15.5,18.47.6,11.7,15.5,18.47.6,11.7,15.5,18.47.6,11.7,15.5,18.47.6,11.7,15.5,18.4

7.8,12.2,16.1,19.37.8,12.2,16.1,19.37.8,12.2,16.1,19.37.8,12.2,16.1,19.37.8,12.2,16.1,19.37.8,12.2,16.1,19.37.8,12.2,16.1,19.37.8,12.2,16.1,19.37.8,12.2,16.1,19.3

6.8,11.1,15.2,20.16.8,11.1,15.2,20.16.8,11.1,15.2,20.16.8,11.1,15.2,20.16.8,11.1,15.2,20.16.8,11.1,15.2,20.16.8,11.1,15.2,20.16.8,11.1,15.2,20.16.8,11.1,15.2,20.1

7,11,15.1,20.57,11,15.1,20.57,11,15.1,20.57,11,15.1,20.57,11,15.1,20.57,11,15.1,20.57,11,15.1,20.57,11,15.1,20.57,11,15.1,20.5

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

8.1,11.6,15.3,18.88.1,11.6,15.3,18.88.1,11.6,15.3,18.88.1,11.6,15.3,18.88.1,11.6,15.3,18.88.1,11.6,15.3,18.88.1,11.6,15.3,18.88.1,11.6,15.3,18.88.1,11.6,15.3,18.8

8.2,11.7,15.5,19.18.2,11.7,15.5,19.18.2,11.7,15.5,19.18.2,11.7,15.5,19.18.2,11.7,15.5,19.18.2,11.7,15.5,19.18.2,11.7,15.5,19.18.2,11.7,15.5,19.18.2,11.7,15.5,19.1

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

7.9,11.4,15,18.57.9,11.4,15,18.57.9,11.4,15,18.57.9,11.4,15,18.57.9,11.4,15,18.57.9,11.4,15,18.57.9,11.4,15,18.57.9,11.4,15,18.57.9,11.4,15,18.5

8,11.4,15.1,18.68,11.4,15.1,18.68,11.4,15.1,18.68,11.4,15.1,18.68,11.4,15.1,18.68,11.4,15.1,18.68,11.4,15.1,18.68,11.4,15.1,18.68,11.4,15.1,18.6

7.8,11.2,14.8,18.37.8,11.2,14.8,18.37.8,11.2,14.8,18.37.8,11.2,14.8,18.37.8,11.2,14.8,18.37.8,11.2,14.8,18.37.8,11.2,14.8,18.37.8,11.2,14.8,18.37.8,11.2,14.8,18.3

7.9,11.3,15,18.67.9,11.3,15,18.67.9,11.3,15,18.67.9,11.3,15,18.67.9,11.3,15,18.67.9,11.3,15,18.67.9,11.3,15,18.67.9,11.3,15,18.67.9,11.3,15,18.6

7.9,11.5,15.4,18.97.9,11.5,15.4,18.97.9,11.5,15.4,18.97.9,11.5,15.4,18.97.9,11.5,15.4,18.97.9,11.5,15.4,18.97.9,11.5,15.4,18.97.9,11.5,15.4,18.97.9,11.5,15.4,18.9

6.3,9.5,12.6,15.56.3,9.5,12.6,15.56.3,9.5,12.6,15.56.3,9.5,12.6,15.56.3,9.5,12.6,15.56.3,9.5,12.6,15.56.3,9.5,12.6,15.56.3,9.5,12.6,15.56.3,9.5,12.6,15.5

6.6,10.1,13.3,16.16.6,10.1,13.3,16.16.6,10.1,13.3,16.16.6,10.1,13.3,16.16.6,10.1,13.3,16.16.6,10.1,13.3,16.16.6,10.1,13.3,16.16.6,10.1,13.3,16.16.6,10.1,13.3,16.1

7,10.9,14.2,17.57,10.9,14.2,17.57,10.9,14.2,17.57,10.9,14.2,17.57,10.9,14.2,17.57,10.9,14.2,17.57,10.9,14.2,17.57,10.9,14.2,17.57,10.9,14.2,17.5

7.3,11.6,15.1,197.3,11.6,15.1,197.3,11.6,15.1,197.3,11.6,15.1,197.3,11.6,15.1,197.3,11.6,15.1,197.3,11.6,15.1,197.3,11.6,15.1,197.3,11.6,15.1,19

99.9,12,15.5,19.799.9,12,15.5,19.799.9,12,15.5,19.799.9,12,15.5,19.799.9,12,15.5,19.799.9,12,15.5,19.799.9,12,15.5,19.799.9,12,15.5,19.799.9,12,15.5,19.7

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

7.6,11,14.5,17.97.6,11,14.5,17.97.6,11,14.5,17.97.6,11,14.5,17.97.6,11,14.5,17.97.6,11,14.5,17.97.6,11,14.5,17.97.6,11,14.5,17.97.6,11,14.5,17.9

7.6,10.9,14.5,17.97.6,10.9,14.5,17.97.6,10.9,14.5,17.97.6,10.9,14.5,17.97.6,10.9,14.5,17.97.6,10.9,14.5,17.97.6,10.9,14.5,17.97.6,10.9,14.5,17.97.6,10.9,14.5,17.9

7.6,10.9,14.5,17.87.6,10.9,14.5,17.87.6,10.9,14.5,17.87.6,10.9,14.5,17.87.6,10.9,14.5,17.87.6,10.9,14.5,17.87.6,10.9,14.5,17.87.6,10.9,14.5,17.87.6,10.9,14.5,17.8

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

5.6,8.7,12.3,15.95.6,8.7,12.3,15.95.6,8.7,12.3,15.95.6,8.7,12.3,15.95.6,8.7,12.3,15.95.6,8.7,12.3,15.95.6,8.7,12.3,15.95.6,8.7,12.3,15.95.6,8.7,12.3,15.9

7.3,10.6,14,17.37.3,10.6,14,17.37.3,10.6,14,17.37.3,10.6,14,17.37.3,10.6,14,17.37.3,10.6,14,17.37.3,10.6,14,17.37.3,10.6,14,17.37.3,10.6,14,17.3

99.9,99.9,99.9,16.699.9,99.9,99.9,16.699.9,99.9,99.9,16.699.9,99.9,99.9,16.699.9,99.9,99.9,16.699.9,99.9,99.9,16.699.9,99.9,99.9,16.699.9,99.9,99.9,16.699.9,99.9,99.9,16.6

6.4,9.8,13,15.96.4,9.8,13,15.96.4,9.8,13,15.96.4,9.8,13,15.96.4,9.8,13,15.96.4,9.8,13,15.96.4,9.8,13,15.96.4,9.8,13,15.96.4,9.8,13,15.9

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

7,10.1,13.5,16.67,10.1,13.5,16.67,10.1,13.5,16.67,10.1,13.5,16.67,10.1,13.5,16.67,10.1,13.5,16.67,10.1,13.5,16.67,10.1,13.5,16.67,10.1,13.5,16.6

6.9,10,13.3,16.46.9,10,13.3,16.46.9,10,13.3,16.46.9,10,13.3,16.46.9,10,13.3,16.46.9,10,13.3,16.46.9,10,13.3,16.46.9,10,13.3,16.46.9,10,13.3,16.4

7.1,10.3,13.8,17.27.1,10.3,13.8,17.27.1,10.3,13.8,17.27.1,10.3,13.8,17.27.1,10.3,13.8,17.27.1,10.3,13.8,17.27.1,10.3,13.8,17.27.1,10.3,13.8,17.27.1,10.3,13.8,17.2

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

5.5,8.5,11.4,14.15.5,8.5,11.4,14.15.5,8.5,11.4,14.15.5,8.5,11.4,14.15.5,8.5,11.4,14.15.5,8.5,11.4,14.15.5,8.5,11.4,14.15.5,8.5,11.4,14.15.5,8.5,11.4,14.1

5.8,8.8,11.8,14.75.8,8.8,11.8,14.75.8,8.8,11.8,14.75.8,8.8,11.8,14.75.8,8.8,11.8,14.75.8,8.8,11.8,14.75.8,8.8,11.8,14.75.8,8.8,11.8,14.75.8,8.8,11.8,14.7

6.6,10.1,13.5,16.66.6,10.1,13.5,16.66.6,10.1,13.5,16.66.6,10.1,13.5,16.66.6,10.1,13.5,16.66.6,10.1,13.5,16.66.6,10.1,13.5,16.66.6,10.1,13.5,16.66.6,10.1,13.5,16.6

6.9,10.9,14.7,186.9,10.9,14.7,186.9,10.9,14.7,186.9,10.9,14.7,186.9,10.9,14.7,186.9,10.9,14.7,186.9,10.9,14.7,186.9,10.9,14.7,186.9,10.9,14.7,18

5.4,8.3,11.5,14.75.4,8.3,11.5,14.75.4,8.3,11.5,14.75.4,8.3,11.5,14.75.4,8.3,11.5,14.75.4,8.3,11.5,14.75.4,8.3,11.5,14.75.4,8.3,11.5,14.75.4,8.3,11.5,14.7

6.6,9.5,12.5,15.76.6,9.5,12.5,15.76.6,9.5,12.5,15.76.6,9.5,12.5,15.76.6,9.5,12.5,15.76.6,9.5,12.5,15.76.6,9.5,12.5,15.76.6,9.5,12.5,15.76.6,9.5,12.5,15.7

5.9,8.9,11.9,14.75.9,8.9,11.9,14.75.9,8.9,11.9,14.75.9,8.9,11.9,14.75.9,8.9,11.9,14.75.9,8.9,11.9,14.75.9,8.9,11.9,14.75.9,8.9,11.9,14.75.9,8.9,11.9,14.7

7,11.1,15.1,18.87,11.1,15.1,18.87,11.1,15.1,18.87,11.1,15.1,18.87,11.1,15.1,18.87,11.1,15.1,18.87,11.1,15.1,18.87,11.1,15.1,18.87,11.1,15.1,18.8

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

6,9.1,12.4,15.96,9.1,12.4,15.96,9.1,12.4,15.96,9.1,12.4,15.96,9.1,12.4,15.96,9.1,12.4,15.96,9.1,12.4,15.96,9.1,12.4,15.96,9.1,12.4,15.9

6.1,9.4,12.8,16.36.1,9.4,12.8,16.36.1,9.4,12.8,16.36.1,9.4,12.8,16.36.1,9.4,12.8,16.36.1,9.4,12.8,16.36.1,9.4,12.8,16.36.1,9.4,12.8,16.36.1,9.4,12.8,16.3

6.3,9,11.8,156.3,9,11.8,156.3,9,11.8,156.3,9,11.8,156.3,9,11.8,156.3,9,11.8,156.3,9,11.8,156.3,9,11.8,156.3,9,11.8,15

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

5.4,8.2,11.1,13.75.4,8.2,11.1,13.75.4,8.2,11.1,13.75.4,8.2,11.1,13.75.4,8.2,11.1,13.75.4,8.2,11.1,13.75.4,8.2,11.1,13.75.4,8.2,11.1,13.75.4,8.2,11.1,13.7

6.1,9.1,12.3,15.16.1,9.1,12.3,15.16.1,9.1,12.3,15.16.1,9.1,12.3,15.16.1,9.1,12.3,15.16.1,9.1,12.3,15.16.1,9.1,12.3,15.16.1,9.1,12.3,15.16.1,9.1,12.3,15.1

6.5,10,13.4,16.76.5,10,13.4,16.76.5,10,13.4,16.76.5,10,13.4,16.76.5,10,13.4,16.76.5,10,13.4,16.76.5,10,13.4,16.76.5,10,13.4,16.76.5,10,13.4,16.7

6.4,9.9,13.5,17.26.4,9.9,13.5,17.26.4,9.9,13.5,17.26.4,9.9,13.5,17.26.4,9.9,13.5,17.26.4,9.9,13.5,17.26.4,9.9,13.5,17.26.4,9.9,13.5,17.26.4,9.9,13.5,17.2

6.1,9,12,15.16.1,9,12,15.16.1,9,12,15.16.1,9,12,15.16.1,9,12,15.16.1,9,12,15.16.1,9,12,15.16.1,9,12,15.16.1,9,12,15.1

5.4,8.3,11.2,13.85.4,8.3,11.2,13.85.4,8.3,11.2,13.85.4,8.3,11.2,13.85.4,8.3,11.2,13.85.4,8.3,11.2,13.85.4,8.3,11.2,13.85.4,8.3,11.2,13.85.4,8.3,11.2,13.8

6.6,10.3,14,17.36.6,10.3,14,17.36.6,10.3,14,17.36.6,10.3,14,17.36.6,10.3,14,17.36.6,10.3,14,17.36.6,10.3,14,17.36.6,10.3,14,17.36.6,10.3,14,17.3

6.4,9.8,13.1,16.56.4,9.8,13.1,16.56.4,9.8,13.1,16.56.4,9.8,13.1,16.56.4,9.8,13.1,16.56.4,9.8,13.1,16.56.4,9.8,13.1,16.56.4,9.8,13.1,16.56.4,9.8,13.1,16.5

6.5,9.8,13.2,16.66.5,9.8,13.2,16.66.5,9.8,13.2,16.66.5,9.8,13.2,16.66.5,9.8,13.2,16.66.5,9.8,13.2,16.66.5,9.8,13.2,16.66.5,9.8,13.2,16.66.5,9.8,13.2,16.6

6.2,9.3,12.4,15.56.2,9.3,12.4,15.56.2,9.3,12.4,15.56.2,9.3,12.4,15.56.2,9.3,12.4,15.56.2,9.3,12.4,15.56.2,9.3,12.4,15.56.2,9.3,12.4,15.56.2,9.3,12.4,15.5

5.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.6

5.5,8.3,11.1,13.95.5,8.3,11.1,13.95.5,8.3,11.1,13.95.5,8.3,11.1,13.95.5,8.3,11.1,13.95.5,8.3,11.1,13.95.5,8.3,11.1,13.95.5,8.3,11.1,13.95.5,8.3,11.1,13.9

5.9,9,12,14.95.9,9,12,14.95.9,9,12,14.95.9,9,12,14.95.9,9,12,14.95.9,9,12,14.95.9,9,12,14.95.9,9,12,14.95.9,9,12,14.9

6.8,10.6,14.4,17.86.8,10.6,14.4,17.86.8,10.6,14.4,17.86.8,10.6,14.4,17.86.8,10.6,14.4,17.86.8,10.6,14.4,17.86.8,10.6,14.4,17.86.8,10.6,14.4,17.86.8,10.6,14.4,17.8

6.5,9.9,13.2,16.46.5,9.9,13.2,16.46.5,9.9,13.2,16.46.5,9.9,13.2,16.46.5,9.9,13.2,16.46.5,9.9,13.2,16.46.5,9.9,13.2,16.46.5,9.9,13.2,16.46.5,9.9,13.2,16.4

6.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.5

5.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.65.1,7.6,10.2,12.6

6.1,9.3,12.5,15.46.1,9.3,12.5,15.46.1,9.3,12.5,15.46.1,9.3,12.5,15.46.1,9.3,12.5,15.46.1,9.3,12.5,15.46.1,9.3,12.5,15.46.1,9.3,12.5,15.46.1,9.3,12.5,15.4

6.3,9.3,12.3,15.56.3,9.3,12.3,15.56.3,9.3,12.3,15.56.3,9.3,12.3,15.56.3,9.3,12.3,15.56.3,9.3,12.3,15.56.3,9.3,12.3,15.56.3,9.3,12.3,15.56.3,9.3,12.3,15.5

6.5,9.7,12.9,16.16.5,9.7,12.9,16.16.5,9.7,12.9,16.16.5,9.7,12.9,16.16.5,9.7,12.9,16.16.5,9.7,12.9,16.16.5,9.7,12.9,16.16.5,9.7,12.9,16.16.5,9.7,12.9,16.1

6.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.56.5,9.8,13.2,16.5

4.8,7,9.2,11.54.8,7,9.2,11.54.8,7,9.2,11.54.8,7,9.2,11.54.8,7,9.2,11.54.8,7,9.2,11.54.8,7,9.2,11.54.8,7,9.2,11.54.8,7,9.2,11.5

5.1,7.6,10.1,12.65.1,7.6,10.1,12.65.1,7.6,10.1,12.65.1,7.6,10.1,12.65.1,7.6,10.1,12.65.1,7.6,10.1,12.65.1,7.6,10.1,12.65.1,7.6,10.1,12.65.1,7.6,10.1,12.6

5.3,7.9,10.6,13.25.3,7.9,10.6,13.25.3,7.9,10.6,13.25.3,7.9,10.6,13.25.3,7.9,10.6,13.25.3,7.9,10.6,13.25.3,7.9,10.6,13.25.3,7.9,10.6,13.25.3,7.9,10.6,13.2

6,9.2,12.3,15.36,9.2,12.3,15.36,9.2,12.3,15.36,9.2,12.3,15.36,9.2,12.3,15.36,9.2,12.3,15.36,9.2,12.3,15.36,9.2,12.3,15.36,9.2,12.3,15.3

99.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.999.9,99.9,99.9,99.9

4.7,6.9,9.2,11.54.7,6.9,9.2,11.54.7,6.9,9.2,11.54.7,6.9,9.2,11.54.7,6.9,9.2,11.54.7,6.9,9.2,11.54.7,6.9,9.2,11.54.7,6.9,9.2,11.54.7,6.9,9.2,11.5

5.3,7.8,10.4,12.95.3,7.8,10.4,12.95.3,7.8,10.4,12.95.3,7.8,10.4,12.95.3,7.8,10.4,12.95.3,7.8,10.4,12.95.3,7.8,10.4,12.95.3,7.8,10.4,12.95.3,7.8,10.4,12.9

6.2,9.2,12.2,15.16.2,9.2,12.2,15.16.2,9.2,12.2,15.16.2,9.2,12.2,15.16.2,9.2,12.2,15.16.2,9.2,12.2,15.16.2,9.2,12.2,15.16.2,9.2,12.2,15.16.2,9.2,12.2,15.1

6.8,10.2,13.6,16.96.8,10.2,13.6,16.96.8,10.2,13.6,16.96.8,10.2,13.6,16.96.8,10.2,13.6,16.96.8,10.2,13.6,16.96.8,10.2,13.6,16.96.8,10.2,13.6,16.96.8,10.2,13.6,16.9

7,10.8,14.3,17.97,10.8,14.3,17.97,10.8,14.3,17.97,10.8,14.3,17.97,10.8,14.3,17.97,10.8,14.3,17.97,10.8,14.3,17.97,10.8,14.3,17.97,10.8,14.3,17.9

7.3,11.2,15.1,18.87.3,11.2,15.1,18.87.3,11.2,15.1,18.87.3,11.2,15.1,18.87.3,11.2,15.1,18.87.3,11.2,15.1,18.87.3,11.2,15.1,18.87.3,11.2,15.1,18.87.3,11.2,15.1,18.8

Storm SurgeCategory 4 Heights

99.9 to 99.9 (3520)24.5 to 99.9 (725)18.6 to 24.5 (761)12.3 to 18.6 (979)4.7 to 12.3 (1313)

The label show surge heights for Cat 1, 2, 3, 4

The gray cells have no surge values

There are cells which clearly would experi-ence storm surge, that have no values

Eastern end of Long Island, NY

Surge ContoursSurge Contours

•The problem isn’t as simple as it seems

•In this illustration, you can see that a location may be inland, but protected by a hill; but if the water is high enough, it may go over the hill (or levee – think Katrina)

•Just because SLOSH says the water is above the elevation of the location, this does NOT mean that the property would be inundated; topology matters

Surge Contours – Long IslandSurge Contours – Long Island

By Storm Category

Storm Surge

3

4

2

1

0Eastern end of Long Island, NY

What we’ve developedWhat we’ve developed

We’ve combined the storm surge contours and We’ve combined the storm surge contours and SLOSH dataSLOSH data

We’ve filled in the missing SLOSH cellsWe’ve filled in the missing SLOSH cells We give you the highest values from multiple We give you the highest values from multiple

basins (users do not have to select a basin)basins (users do not have to select a basin) If you combine this with the RiskMeter If you combine this with the RiskMeter

slope/aspect/elevation report, you can estimate slope/aspect/elevation report, you can estimate the water depth at any location!the water depth at any location!

This gives the most complete picture of storm This gives the most complete picture of storm surge effects in an area available today, from surge effects in an area available today, from anyoneanyone

Fields ReturnedFields Returned

Minimum Hurricane CategoryMinimum Hurricane Category Surge Height Category 1Surge Height Category 1 Surge Height Category 2Surge Height Category 2 Surge Height Category 3Surge Height Category 3 Surge Height Category 4Surge Height Category 4 Surge Height Category 5Surge Height Category 5 NotesNotes

ConsiderationsConsiderations

You will notice, in some cases, there are missing slosh You will notice, in some cases, there are missing slosh values; we’ve developed a method to fill in these areasvalues; we’ve developed a method to fill in these areas

For the elevation contours, states may have used a For the elevation contours, states may have used a different elevation dataset; this may cause minor different elevation dataset; this may cause minor inconsistenciesinconsistencies

Some states are missing; we are building our own dataSome states are missing; we are building our own data missing states: MD, VA and Western LAmissing states: MD, VA and Western LA

From MD north, no Category 5 data existsFrom MD north, no Category 5 data exists CT has modeled Category 1 & 2 togetherCT has modeled Category 1 & 2 together Parts of FL have only modeled Category 1, 3 & 5Parts of FL have only modeled Category 1, 3 & 5

How Big is the Problem?How Big is the Problem?NY/Long Island ExampleNY/Long Island Example

How Big is the Problem?How Big is the Problem?

New York/Long IslandNew York/Long Island

Population living in a 100 year flood zone: 2,482,038Population living in a storm surge area: 4,746,434Population living in a storm surge area and not recognized as a 100 year flood zone: 2,936,639

Population based upon storm category:Population based upon storm category:

Category 1: 238,355Category 2: 524,434Category 3: 962,823Category 4: 1,211,027

How Big is the Problem?How Big is the Problem?

As you can see, in TX, storm surge extends tens of miles inland!

ConclusionsConclusions

Flood zones do not accurately identify storm surge risks Flood zones do not accurately identify storm surge risks

By using the Storm Surge Model in conjunction with Elevation/Slope By using the Storm Surge Model in conjunction with Elevation/Slope and Distance to Coast reports, you can estimate any property’s and Distance to Coast reports, you can estimate any property’s vulnerability to hurricane surge effects, even inlandvulnerability to hurricane surge effects, even inland

You can set limits for policies based on this new informationYou can set limits for policies based on this new information i.e. For properties within 2 miles from the coast, you will not write i.e. For properties within 2 miles from the coast, you will not write

properties in zone 1, 2 or 3properties in zone 1, 2 or 3 Surcharge policies that fall within storm surge areasSurcharge policies that fall within storm surge areas

The CDS Storm Surge Model is the best and most comprehensive The CDS Storm Surge Model is the best and most comprehensive model available to predict possible storm surge effects / flooding model available to predict possible storm surge effects / flooding from hurricanesfrom hurricanes

Contact InformationContact Information

If you have any questions, please contact:If you have any questions, please contact:

Dan Munson Dan Munson

Vice President of Sales & MarketingVice President of Sales & Marketing

617-737-4444 617-737-4444

dmunson@cdsys.comdmunson@cdsys.com