Atmospheric rivers are a weather phenomena occurring on the west coast where large, narrow sections of moisture are transported from the tropics near the Equator to Earth's poles. Providing up to half of California's annual precipitation, atmospheric rivers can bring extensive flooding and landslides and cost the state over $1 billion every year. 

California's public sector is largely unprotected from damages caused by atmospheric rivers under traditional insurance policies, and federal support has covered less than 1% of the state's estimated damages and economic losses from these events in the last two years. 

Amwins has partnered with Floodbase, an industry-leading flood data and insurance structuring platform, on a flood program with payouts that scale with the magnitude of atmospheric rivers. The program offers flexible pricing with rapid payouts that governments can use at their discretion to assist with emergency response, lost tax revenue, business interruption and more.

How Our Program Compares to Current Coverage Options:

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How it Works: The Design of the Atmospheric River Program

Step 1: The insured area is defined by a boundary drawn around municipal borders.

Step 2: The presence of water is measured hourly within this boundary (no equipment installation necessary).

Step 3: Payout triggered when amount of flooding exceeds threshold.