Our secret weapon: smart sensor technology

Every policy comes with a sensor or network of sensors placed at the insured property. These sensors use IoT technology to fuel a new wave of parametric flood insurance. Each one is central to how FloodFlash reduces basis risk, pays claims faster and keeps premiums down.

We use sensors to take parametric insurance to the next level

FloodFlash founders Adam and Ian knew that parametric insurance held the key to protecting at risk businesses from catastrophic flooding. The most important question of any parametric insurance product is how to measure the triggers for a policy.

We considered many different ways to measure flooding for insurance. Satellites give a great general picture but sacrifice reliability and accuracy. River and tidal gauages were accurate and reliable, but often located away from the insured property leading to basis risk.

After significant research and prototyping we arrived at the solution: the FloodFlash IoT connected sensor. With millimetre-accurate measurements occuring every five minutes, it has the reliability and accuracy of river gauges whilst the the low-cost production and installation means we can install sensors to measure flooding at any location.

The FloodFlash sensor represents the best of both worlds and the only technology in the world created for the sole purpose of administering parametric flood insurance policies without the basis risk.

The features that make every sensor smart


High-resolution flood measurement

The sensor uses sound waves to measure how much water is in the sensor giving us a millimetre accurate view of flood depth at any property.


Mobile connectivity

The sensor sends the depth readings to FloodFlash HQ via the mobile networks. If there’s flooding at a sensor, we’ll get the data in seconds.


10-year life

Ultra-low power consumption and battery means the sensor doesn’t require any external power and lasts up to 10-years.



The sensor is tested in storm and flood conditions, so we know it is up to the task of protecting any property from catastrophic flooding.


Memory chip

If the networks go down, the sensor doesn’t stop recording. It stores all readings on a memory chip. When the networks recover, the sensor sends us all the historical data so we don’t miss a single reading.



Live data monitoring feeds into a robust fraud prevention process.

“The technology really was something revolutionary. It’s not often that exciting products come into the insurance world. This is a really exciting product"

Lucy Thornhill
Insurance Broker