To address this, Moody’s has released its RMS US Severe Convective Storm HD Models, launched in late 2025. The models use high‑resolution, physics‑based simulations and a large claims‑calibrated vulnerability dataset capturing more than $55 billion in industry claims. For insurers, the intent is to better capture multi‑state outbreak scenarios, refine peril‑specific appetites and structure reinsurance beyond traditional single‑state or single‑event views of risk.
