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AbstractLarge scale flood risk analyses are fundamental to many applications requiring national or international overviews of flood risk. While large‐scale climate patterns such as teleconnections and climate change become important at this scale, it remains a challenge to represent the local hydrological cycle over various watersheds in a manner that is physically consistent with climate. As a result, global models tend to suffer from a lack of available scenarios and flexibility that are key for planners, relief organizations, regulators, and the financial services industry to analyze the socioeconomic, demographic, and climatic factors affecting exposure. Here we introduce a data‐driven, global, fast, flexible, and climate‐consistent flood risk modeling framework for applications that do not necessarily require high‐resolution flood mapping. We use statistical and machine learning methods to examine the relationship between historical flood occurrence and impact from the Dartmouth Flood Observatory (1985–2017), and climatic, watershed, and socioeconomic factors for 4,734 HydroSHEDS watersheds globally. Using bias‐corrected output from the NCAR CESM Large Ensemble (1980–2020), and the fitted statistical relationships, we simulate 1 million years of events worldwide along with the population displaced in each event. We discuss potential applications of the model and present global flood hazard and risk maps. The main value of this global flood model lies in its ability to quickly simulate realistic flood events at a resolution that is useful for large‐scale socioeconomic and financial planning, yet we expect it to be useful to climate and natural hazard scientists who are interested in socioeconomic impacts of climate.
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There is mounting pressure on (re)insurers to quantify the impacts of climate change, notably on the frequency and severity of claims due to weather events such as flooding. This is however a very challenging task for (re)insurers as it requires modeling at the scale of a portfolio and at a high enough spatial resolution to incorporate local climate change effects. In this paper, we introduce a data science approach to climate change risk assessment of pluvial flooding for insurance portfolios over Canada and the United States (US). The underlying flood occurrence model quantifies the financial impacts of short-term (12–48 h) precipitation dynamics over the present (2010–2030) and future climate (2040–2060) by leveraging statistical/machine learning and regional climate models. The flood occurrence model is designed for applications that do not require street-level precision as is often the case for scenario and trend analyses. It is applied at the full scale of Canada and the US over 10–25 km grids. Our analyses show that climate change and urbanization will typically increase losses over Canada and the US, while impacts are strongly heterogeneous from one state or province to another, or even within a territory. Portfolio applications highlight the importance for a (re)insurer to differentiate between future changes in hazard and exposure, as the latter may magnify or attenuate the impacts of climate change on losses.