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Municipal Risk Assessment Tool


Extreme weather events that happened every 40 years now occur every six years in some regions of the country. From 2009 to 2014, insured losses from catastrophic events were close to or above $1 billion each year – most of these losses were due to water damage. In 2015, insured losses for catastrophic events were approximately $602 million.

Insurance Bureau of Canada (IBC) is the founder of a ground-breaking technology known as the municipal risk assessment tool, or MRAT. IBC developed the tool to help communities reduce flooding caused by sewer backups. MRAT is now owned and operated by Tesera Systems Inc.

What is MRAT?

  • MRAT is a web-based assessment tool that calculates the probability of municipal sewer and stormwater infrastructure failures.
  • MRAT allows communities to more rapidly adapt to the extreme weather events caused by climate change, thereby reducing damage from sewer backups and basement flooding, now and in the future.
  • MRAT helps cities to prioritize their capital infrastructure investments, adjust service levels and support requests for municipal infrastructure dollars.

How MRAT works

  • MRAT creates a risk model unique to each municipality by combining data on:
    • Municipal infrastructure
    • Current and future climate
    • Actual weather events
  • Based on this risk modelling, detailed risk maps provided by MRAT help municipalities identify their greatest sewer and stormwater vulnerabilities.


  • In 2009, IBC envisioned and developed MRAT in collaboration with Natural Resources Canada and in-kind contributions from municipalities across the country. From 2010 to 2015, Tesera Systems Inc. and Dillon Consulting Limited provided technical expertise.
  • IBC selected Tesera Systems Inc. to assume ownership and operation of MRAT effective April 1, 2016. 
  • Tesera is currently working with municipalities, in collaboration with IBC and other organizations, to offer MRAT for use by communities across Canada.