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The Florida Public Hurricane Loss Model (FPHLM) is a hurricane catastrophe model developed by a multi-disciplinary team of experts in the fields of meteorology, wind and structural engineering, computer science, GIS, statistics, finance, and actuarial science.

The FPHLM estimates loss costs and probable maximum loss levels from hurricane events for personal lines and commercial lines of residential property. The losses are estimated for building, appurtenant structure, contents, and additional living expense (ALE). The FPHLM estimates loss costs and probable maximum loss levels from hurricane events for personal lines and commercial lines of residential property. The losses are estimated for building, appurtenant structure, contents, and additional living expense (ALE).