US Winter Storm Reference Model

The damaging effects of snow/ice, wind, and freezing temperatures at the location level are captured via advanced physics-based modeling in the KCC US Winter Storm Reference Model

Highlights

Advanced Physical Modeling

Direct modeling of the atmospheric environment captures the complex structures of extratropical cyclones and arctic cold fronts

Freezing Intensity Index

Developed by KCC scientists, the index accurately captures the effects of below-normal temperatures across the continental US

Accurate Risk Metrics

High-resolution event footprints provide the basis for the most comprehensive and accurate risk metrics for insurers and reinsurers

February 2021 Arctic Air Outbreak
Muskogee, OK, USA

US Winter Storm Snapshot

The 2021 Arctic Air Outbreak brought unprecedented freezing temperatures and snow to the southern US. By ingesting real-time meteorological data and directly simulating the atmospheric environment, the KCC US Winter Storm Reference Model quickly estimated insured losses as the event evolved. As the impacts of the event have become clearer over time, the early KCC estimate remains a reliable representation of the sustained damage. Because similar winter storms were already included in the KCC stochastic event catalog, the model reflected this rare but meteorologically feasible event with a high level of accuracy.

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Manage Your Winter Storm Risk in the United States

KCC utilizes the best available data, science, and technology to create high-resolution, accurate, and transparent global catastrophe models that allow you to make decisions with confidence.

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