Overview

Moody’s High Definition™ (HD) models are based on millions of event simulations with a range of frequency and severity. These models offer a more realistic representation of "event hazard, damage, and the flow of losses through financial structures.

For each event, damage is sampled at the location coverage-level, converted into financial loss, and propagated through the various policy or treaty structures that characterize an exposure. The simulation-based nature of HD models enables viewing the event losses on a time scale and assessing the impact of weather phenomena (clustering, duration, seasonality). Sampling the damage distributions stored at the location coverage-level provides for clear and transparent loss calculations, making it easier to identify drivers of risk.

To learn more, see Peril Models List for Risk Modeler in the Risk Modeler Help Center.

Supported HD models