FloodFlash

Does the core business genuinely avoid or reduce emissions, or build climate resilience? Share of revenue that is actually 'green'. Fossil-dependent models score low.

FloodFlash's core product directly addresses climate adaptation by insuring previously uninsurable high-flood-risk properties and enabling faster post-disaster recovery, closing a protection gap where over 80% of catastrophic flood losses worldwide go uninsured — a gap worsened by climate change, urbanisation, and population growth. The product builds economic resilience rather than cutting emissions, so impact is real but narrowly adaptation-focused with no mitigation component.

Credible, science-based targets (SBTi), a real net-zero plan with progress to date, and CDP disclosure — not just a dated press release.

No SBTi-validated targets, CDP disclosure, net-zero commitment, or science-based climate targets were found in any public source; the company publishes no sustainability or ESG report, and as a small MGA acquired in early 2025 it almost certainly falls well below the regulatory thresholds that would compel UK Streamlined Energy and Carbon Reporting (SECR) disclosure.

Operational footprint, labour and social practices, and governance quality across the company's own operations and supply chain.

FloodFlash is a small insurtech with roughly 11–50 employees operating as a digital-native, asset-light MGA — its operational carbon footprint is inherently low (primarily office, cloud computing, and travel) — but no GHG inventory, labour practice disclosures, governance documentation, or social impact reporting are publicly available, making a meaningful ESG assessment impossible beyond inference from company size and sector.

Quality of disclosure, independent third-party verification, and how much hard data backs the company's claims.

FloodFlash has no publicly available sustainability report, no CDP filing, no SBTi registration, and no independently verified ESG data; its climate adaptation narrative is communicated through press releases, broker marketing, and third-party media coverage rather than structured, auditable disclosure frameworks, resulting in a very low transparency score despite the inherent social utility of the product.

Controversies, litigation, pollution, fossil-fuel lobbying, conflict-zone involvement and governance scandals. Higher means cleaner.

No material controversies, regulatory sanctions, litigation, fossil-fuel lobbying, governance scandals, or pollution incidents were identified in public sources; FloodFlash is FCA-authorised, operates as a Lloyd's coverholder with Munich Re and Hiscox as capacity partners, and its acquisition by NormanMax Insurance Solutions in February 2025 proceeded without reported regulatory objection — the integrity score is docked modestly only because insufficient public data exists to fully rule out hidden governance issues post-acquisition.