Insurance & Government

flood 2

Elevation Data for Risk Modeling, Disaster Planning & Resilient Infrastructure

LuxCarta supports insurers, reinsurers, and government organizations with high-accuracy digital elevation models that serve as the foundation for predictive modeling, infrastructure design, and emergency response. From flood zones to climate resilience planning, our DSM, DTM, and HDTM datasets help public and private stakeholders make faster, smarter, and more defensible decisions.


Applications Enabled by LuxCarta’s Data:

LuxCarta’s Hydro-Enforced Digital Terrain Model (HDTM) delivers clean, ready-to-use datasets optimized for flood mapping, hydraulic simulations, and water resource planning. It improves the accuracy of hydrological models by aligning terrain data with real-world water movement.

Flood Risk & Inundation Mapping

Model riverine, coastal, or urban flooding scenarios using hydro-enforced terrain to define impact zones and insurance exposure.

Urban Drainage & Stormwater Management

Simulate runoff and drainage systems to improve resilience of public infrastructure and reduce insurance risk

Dam Break & Reservoir Risk Assessments

Evaluate downstream impact of dam failures or controlled releases using topographically accurate terrain.

Emergency Response Planning

Identify safe zones, evacuation routes, and accessibility challenges based on terrain and elevation.

Infrastructure Risk & Resilience Design

Support planning of roads, utilities, and transport networks with clean bare-earth elevation data.

Coastal Hydraulics & Erosion Modeling

Feed DSM/DTM into coastal and estuarine models for understanding surge, erosion, and long-term sea level impacts.


Who We Support ? 

Disaster Risk Agencies & Emergency Services

For preparedness planning, flood early warning, and recovery scenarios

Insurance & Reinsurance Companies

For exposure modeling, premium pricing, and claims forecasting

Municipalities & Urban Planners

For zoning, infrastructure design, and land-use regulation


Why Choose LuxCarta ?

  • Hydrologically Enforced Terrain (HDTM) for realistic water flow modeling
  • 30 cm–1 m Resolution Inputs for precise AOI modeling
  • Consistent Global Coverage with scalable production
  • Simulation-Ready Formats (GeoTIFF, SHP, CAD-ready)
  • Manual QA + Proprietary Algorithms for accurate, reliable terrain
  • Licensing by AOI, Region, or Project Scope

Looking for accurate terrain data for insurance?

LuxCarta’s HDTM delivers hydrologically correct elevation models for flood risk assessment, underwriting, and claims. Contact us today.

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