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Fathom vs JBA Risk Management

Both are global flood-risk specialists; Fathom, now Swiss Re-owned, leans into terrain data and future scenarios, JBA into event sets and bespoke consultancy.

Side by side

Fathom JBA Risk Management
Vendor Fathom (Swiss Re) JBA Group
Pricing model Quote only Quote only
Free tier No No
Deployment Cloud Cloud, Self-hosted
Open source No No
Best for Insurers, banks and international-development organizations quantifying global flood exposure. Insurers, reinsurers, lenders and asset managers needing worldwide flood-risk data and models.
Pricing

Licensed data and models sold to insurers, financial institutions and corporates; pricing is quote-only and not published.

Pricing has not been verified yet — see the vendor's site.

Data and model licences sold to insurers, lenders and asset managers; pricing is quote-only and not published.

Pricing has not been verified yet — see the vendor's site.

Features
  • Global Flood Cat catastrophe model covering fluvial, pluvial and coastal flood
  • Global flood hazard maps with regional variants for the US, UK and Japan
  • Location-level flood risk scores under multiple climate scenarios to 2100
  • FathomDEM+ high-resolution terrain data
  • Post-event flood analysis and event response
  • Metadata-based confidence assessment of flood data
  • Global flood maps with extent and depth across multiple return periods
  • Probabilistic flood catastrophe models for present-day and climate-change scenarios
  • Global event set of 15+ million simulated flood events
  • Property- and postcode-level flood risk assessment
  • Combined crop and wind-flood catastrophe models
  • Parametric insurance product data support
  • Portfolio-level climate risk analytics
  • Custom model-build and flood-defense consultancy

Verdict

Fathom and JBA Risk Management are both flood-risk specialists built on high-resolution flood science rather than a broader multi-peril catastrophe franchise, and both offer genuinely global coverage rather than a single-country focus. Fathom, now owned by Swiss Re, built the Global Flood Cat model, which it describes as the first to cover all major flood perils worldwide — fluvial, pluvial and coastal — and pairs it with location-level risk scores under future climate scenarios out to 2100 and its own high-resolution terrain dataset, FathomDEM+. JBA Risk Management, part of the independent, employee-owned JBA Group, is built around a global event set of more than 15 million simulated flood events, property- and postcode-level assessment, and combined crop-and-wind-flood models for perils that interact, plus bespoke consultancy including custom model builds and flood-defense design support.

Ownership structure is a real difference worth naming: Fathom now sits inside Swiss Re, a reinsurer, while JBA remains independent and employee-owned. That can matter if you want a flood-data vendor with no reinsurance-side commercial relationship of its own.

Choose Fathom if

  • You need terrain data (FathomDEM+) alongside flood risk scores, not just the scores themselves.
  • Future climate-scenario risk projections out to 2100 are a core requirement, not an add-on.
  • Post-event flood analysis and rapid event response are part of your workflow.

Choose JBA Risk Management if

  • You want an independent vendor with no reinsurer ownership in its corporate structure.
  • Your exposure includes perils that interact with flood, such as combined crop-and-wind-flood risk.
  • You need bespoke consultancy — custom model builds or flood-defense design input — alongside licensed data.

What they share

Both are quote-priced with no published figures, both offer property-level resolution, and both serve insurers, reinsurers, lenders and international-development organizations rather than consumer users. Neither publishes a public lookup tool the way some free federal hazard programs do, so evaluating either requires a direct vendor engagement. For broader category context, including free federal hazard tools, see how to choose a catastrophe modelling platform.

Last reviewed September 22, 2026

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