01 · The gap we fill
Your model prices the storm. It does not price the shoreline in front of the asset.
A reef breaks a wave before it lands. A belt of mangroves soaks up the surge. A bare beach does neither. That changes the real loss at one specific building. Yet most portfolio models treat every stretch of coast the same. That difference is what we see. We do not touch your book's total expected loss. Your model owns that. We show you the gaps between assets that healthy or missing ecosystems create.
The living-coast layer your model is missing.
- A read on how well the reef and mangroves protect each asset, taken from space and from the water.
- The real risk gaps between assets your model reads as the same.
- A ranked view, so the riskiest outlier assets rise to the top.
- How the shoreline has moved, one asset at a time, not one broad zone.
Nature's defenses, blurred into an average.
- Two buildings a mile apart, one shielded by a reef and one wide open, priced the same.
- Living coastal defenses that a flat hazard map simply cannot see.
- Erosion that has already crept the coastline in toward the building.
- The one asset driving your worst-case loss, buried inside a book-wide average.
02 · What we see
We watch these places from space and in the water.
This is a built, running capability, not a concept. We read the shoreline itself: how well it defends the building, how it has moved, and where it is heading. The same intelligence layer runs live in a sovereign pilot in the Caribbean, where we already mapped a national coastline from space.
How far the water reaches
We see how far a storm surge would push in on the land in front of your asset, and where it would stop. That first look tells you which buildings sit in the water's path and which do not.
What the seabed does to the wave
A shallow shelf and a deep drop-off push water very differently. We do not treat them the same. We read the shape of the seabed just offshore and factor it into how hard the coast gets hit.
How the shoreline has moved
We see how the coastline has actually shifted over decades, from space. Where the beach has crept in toward the building, we show it. This is what the coast did, not a guess.
Where the waterline is heading
Today's risk is not the whole story. We show where the waterline is going, built on published IPCC sea-level projections, so you see the assets the rising sea is walking toward.
Real triggers from the water
We watch the ocean live and flag the moment conditions cross the line that matters. These are real measurements from the water in front of the asset, not an estimate.
The spread of a bad year
We map the range of what a bad season could cost, asset by asset, so the outliers stand out. It is a first look that sharpens your view, not the final number you underwrite on.
03 · Where your model is blind
A ranked view, with a protection read for each asset.
The result is a simple ranking. The riskiest assets rise to the top: the ones your book-wide average is hiding. The table below shows the shape of what you get back. Every value on it is a placeholder for illustration only.
| Asset | Protection from the coast | Exposure (relative) |
|---|---|---|
| Exposed bare shoreline | low protection | |
| Eroding frontage | low protection | |
| Partial reef break | moderate protection | |
| Mangrove-belt frontage | high protection |
04 · How it runs
From your list of assets to a ranked view.
Four steps. The living-coast layer is the piece no cat model gives you.
You send the locations
Just the map coordinates of your coastal assets. You do not need to send any risk model or storm rating. We start from the shoreline itself.
We read each site
For every asset we read how far the surge reaches, what the seabed offshore does to it, and how the shoreline has moved. We add where the sea is heading. We see whether reef and mangroves are there to defend it.
We score the protection
We read how well the coast defends each asset, then map the spread of what a bad season could cost it. The outliers separate from the pack.
You get a ranked view
Your assets come back ranked by exposure, so the outliers your cat model blurred into an average rise to the top.
INPUT your coastal asset locations | OCN LAYER the living-coast view your cat model lacks | OUTPUT a ranked exposure view + a protection read per asset
05 · How we sit with your model
A first look that sharpens your view. Not a replacement for it.
We are honest about what this is. It tells you where to look. It points you at the right assets, ranks your book, and exposes the living-coast gaps your cat model misses. It is a screening and leading-indicator layer, not a pricing engine. It sharpens the price you already set; it does not set it, and it does not touch your catastrophe model. Anyone who tells you a first look can price a policy is overselling it. We are not. Our strength is the functional coastal-state signal, and we say exactly where it starts and stops.
06 · Where we sit
We work alongside your cat model, not instead of it.
The models the industry runs price the storm. They do not carry a living-coast layer. We do. Keep your cat model exactly as it is. We sit next to it. We add the reef, mangrove, and shoreline-change signal it is missing, ranked across your whole book.
The storm, the total loss, the price.
The models you already run handle the hazard, the book-wide loss, and the pricing. We do not touch any of it.
The coastal difference, asset by asset.
A read on how well the reef and mangroves defend each asset, how the shoreline has moved, and the spread between assets your model reads as flat.
The book, and the shoreline in front of it.
Your model prices the storm. We show which assets the coast is quietly protecting, and which ones it is not.
Put our eyes on your book
We see the coast your model can't.
Send us the locations of your coastal assets. You get back a ranked exposure view. You get a read on how well the reef and mangroves defend each asset. You get the spread of what a bad season could cost. It sits alongside your cat model and shows you exactly where the model is blind.