Germany: the same data behind ZÜRS, made visible

German insurers price flood risk using ZÜRS Geo, a proprietary system sold per query. But ZÜRS itself is built on the same public flood hazard maps every German state already publishes for free. This page assembles those 16 official state layers into one map — the raw ingredient, not the insurance industry's finished product.

Each state publishes its own HQ100/HQ200 (100/200-year flood) hazard zones independently — there's no single federal source, so coverage and detail vary by state. Toggle layers in the control at the top right. Some services could not be verified with a direct test call from this environment and are included based on their official capabilities documentation.

Sources: state environmental/water authorities of Rhineland-Palatinate, North Rhine-Westphalia, Lower Saxony, Bavaria, Hesse, Baden-Württemberg, Saxony, Saxony-Anhalt, Thuringia, Brandenburg, Mecklenburg-Vorpommern, Schleswig-Holstein, Saarland, Berlin, Bremen and Hamburg. Live WMS layers, rendered directly — not reinterpreted.