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Slide 1 © Aviva plc

Laurence LoughnaneHead of Underwriting

Norwich Union

Norwich UnionFlood Project

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Agenda

• Background• How the Project is being delivered• Challenges• Future

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Background

• Approximately 10 percent of the population of England live within areas potentially at risk from flooding

• Over £200 billion worth of assets are at risk of flooding on Britain

• Around 5 million people, in 2 million properties, live in flood risk areas in England and Wales

• Between 950,000 and 1.2 million properties are built on inland floodplains in the UK

• October 2000 floods cost the UK insurance industry £1 billion and NUI £200 million

• Accuracy of Maps available to us for flood modelling

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G.I.S Timeline

• Disconnected use of GIS• Maps only used for presentation

purposes• More accurate mapping• Flood modelling• Expand GIS capability to other

areas• Web-enabled GIS on every desktop

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Partners

• Norwich Union • Willis• Intermap• JBA• UCL• H R Wallingford

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Process

Elevation Model Radar Image

• NUI Flood Model

• Map data

• Address information

• Software

Flood Risk Assessment

=

+ + Future Integration

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Fly the country

Process in to maps

Overview of the Process

Develop flood model

Model risk profile

Dev underwriting

Distribute

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Coverage Area

• Coverage area 230,000 sq. km.

• Accurate position of each home and commercial building

• Approximately 320,000 km of rivers in the UK

• Over 14 billion elevation postings

• Over 230 billion image pixels

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Some Maths !

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Midlands: BIRMINGHAM

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London: HEATHROW

Slide 24 © Aviva plc

Modelling

Methodology

Flood Outline

Cross Sections

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Flood layers

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Radar Image

100 Year Flood Outline

DTM shaded to 10m contours

Flood outlines overlaid on DTM

DTM shaded to 1m contours

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Flood layers

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cross-section of the flooded valley

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Coverage Area

•Coverage area 230,000 sq. km.•Accurate position of each home and commercial building•Approximately 320,000 km of rivers in the UK•Over 14 billion elevation postings•Over 230 billion image pixels

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Challenges

• Availability of Maps• Managing R&D project to delivery• Flood risk assessment at individual property• Building a G.I.S capability

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Future

• Coastal Modelling• Other Perils• Development and Maintenance• G.I.S Capability• Data value

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Other Teritories

• Aviva

- Republic of Ireland- Poland

• Intermap

- Czech Republic- Poland

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Slide 34 © Aviva plc