European Solutions

European Solutions

Insurance, Financial Services, and Real Estate

Our European insurance solution is featured in Czech insurance magazine Pojistný obzor (Insurance Horizon). Climate change is increasing the frequency of damage caused by natural catastrophes, particularly floods. The availability of accurate input data and modern modeling technology, as well as cloud deployment systems, simplifies and reduces the cost for insurance companies to underwrite flood risk. Published by Česká asociace pojišťoven (Czech Insurance Association) since 1922, Pojistný obzor (Insurance Horizon) provides a platform for insurance professionals to engage and learn about key topics in the domestic and foreign insurance markets.

Current trends in creation and use of flood maps by the insurance market

Insurance Products and Services

We offer data subscriptions for hazard modeling and mapping for pluvial and river flood, earthquake, landslide, and wildfire.

We also offer reinsurance analytics services, such as geocoding and address / parcel cleansing, floaters redistribution, accumulation, choropleth maps, portfolio analysis, elevation profile analysis, and national catastrophe and probable maximum loss modeling.

Flood Risk Map

Flood risk maps for river flood and pluvial flood

Aquarius Transparent

We combine insurance software risk assessment management applications, insurance relevant data, and reinsurance analytics services into a single package. Aquarius RMA is our software risk assessment management application. It is available as an on-premise solution or a cloud subscription. It is offered as a full packaged web-based application for large clients in-house or operated by Intermap within a geographically distributed cloud environment.

Portfolio Analysis

Portfolio analysis


  • Automatic bulk geocoding & address/parcel cleansing
  • Floaters redistribution analysis
  • Accumulation analysis
  • Choropleth maps (cartograms)
  • Portfolio analysis
  • Elevation profile analysis
  • Artificial intelligence
Accumulation Analysis

Accumulation analysis


  • Hazard maps for river and pluvial flood, earthquake, landslide, wildfire, and hailstorm
  • Address and parcel databases from publicly and commercially available sources
  • Background maps from publicly and commercially available sources

RMA Web Services

RMA Web Services allow client programs, such as online insurance applications, policy management, underwriting, or claim management systems, to query risk information for a particular address or geo-coordinate location. RMA web services is available via API for integration with third-party solutions, with a predefined number of calls per month.

Insurance Consulting Services

Flood analysis

Flood analysis

CAT / PML Modeling. Stochastic flood possible maximum loss (PML) modeling using limits, deductibles, coinsurance, and multi-locations as well as custom vulnerability functions.

Manual Geocoding & Address / Parcel Cleansing. Bulk geocoding of addresses or parcel numbers are evaluated. This includes cleansing and correcting of typos, mistyped street names or postal codes, abbreviations, and missing characters.

Flood Footprint Mapping. Custom mapping of flooded areas using airborne or UAV technologies.

General Insurance Consulting. Cost-benefit analysis, customer seminars, portfolio risk analysis, custom risk mapping, application support during catastrophic events, UAV-based risk, and claim assessment.

Data Updates. Recurring or one-time updates of hazard map layers, address or parcel databases, and background maps.

Geocoding Solutions

Our Geocoding Solutions are subscription-based services for insurers, reinsurance brokers and reinsurers.

Example of flood hazard zones in Romania. Green dots represent correct location after batch geocoding process, orange dots represent original incorrect location. It is not uncommon for a property to be incorrectly categorized as outside a flood zone when it is actually located inside one, or vice versa.

Batch Assessment. Large portfolios are assessed for the purpose of reinsurance renewal, claim management or underwriting. 

Automatic Bulk Geocoding & Risk Assessment. Automatically cleans data in batch and assigns the correct address, coordinates, and hazard zones based on Intermap’s hazard maps. 

Polygon-Based (area or footprint) Risk Assessment. Service provides risk evaluation for larger sites such as industrial areas, transport infrastructure, agricultural parcels or custom defined shapes.

Financial Services and Real Estate

Our data and analytics are available to our partners in financial services and real estate for use in property valuation applications. This includes risk information about river and pluvial flood, earthquake, landslide, wildfire, and hailstorm.


Earthquake map (left) and wildfire map (right)


Supplier – These partners supply data that is integrated into our solutions and delivered to customers in the insurance, financial services and real estate markets.


Value-Added Resellers – These partners combine Intermap data and analytics services with their solutions to address insurance, financial services, and real estate market specifics and client requirements.

DataligenceCreative DockFlycomMyNemoPluto - OltSynergy Reinsurance Services

Associations – These partners secure the interests of insurance, financial services, and real estate companies and help establish our position in the markets.



Major insurance, financial services, real estate groups and national players with operating entities in Central Eastern Europe use Intermap software, data and analytics services as packaged solutions or as a standalone delivery integrated with third-party solutions.

Banka CREDITASBNPP Paribas CardifČeská spořitelnaČMSSČPPČSOBČSOB pojišťovnaDirectERGOGeneraliHypoteční bankaKooperativaMaxima pojišťovnaMONETA Money BankPojišťovna VZPRaiffeisen stavební spořitelnaUNIQA