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Municipal Risk Assessment Tool


Extreme weather events that used to happen every 40 years now occur every 6 years in some regions of the country. IBC is piloting ground-breaking technology – a tool known as MRAT – to help communities reduce flooding caused by sewer backups.

How Does MRAT Fight Urban Flooding?

Canada’s weather is changing and it’s hurting communities. In 2013, insured losses from natural disasters – including the major Alberta and Toronto floods – were $3.2 billion, the highest in Canadian history.

This is why Canadian property and casualty insurers are eager to collaborate with governments to help Canadians adapt to the new weather realities. MRAT is a valuable tool in the fight against water damage caused by sewer backups. 

Water - It's A $55 Billion Challenge

Municipal Risk Assessment Tool (MRAT)

What Does MRAT Do?

MRAT is a new, multi-million dollar technology created by municipalities and insurers to help protect against costly sewer backup damage to homes and businesses. Here’s how it works:

  • The tool combines information about municipal infrastructure, current and future climate, and insurance claims. 
  • City engineers use the technology to get a picture of where sewer and stormwater infrastructure is vulnerable today, and where it will be vulnerable in 2020 and in 2050.
  • MRAT data are displayed as risk maps. 
  • Red areas on maps indicate that basement flooding is more likely and green areas indicate that it is less likely. 
  • City engineers can use MRAT maps to plan and prioritize infrastructure repairs, adjust service levels and support requests for federal infrastructure dollars.
  • Three cities are participating in an MRAT pilot project: Coquitlam, BC; Hamilton, ON; Fredericton, NB.
  • ​Developed with financial support through Natural Resources Canada’s Innovative Risk Management Tools Program, the tool is the only one of its kind in the world.