Usually, an actuary would begin by trying to study a particular consumer insurance pool. In this work, I am working on Colombia and soon, I struggled in having complete and precise information. Indeed, it is a recurrent issue for actuaries studying most emerging countries. The next step would be to estimate the risks an insurance company will have to face in order to create profitable products. I was interested in studying Climatic risks and, since Colombia's weather is interesting. I decided to study the floods in Colombia. Colombian weather is ruled by still unpredictable and random events: El Niño and La Niña that bring droughts and floods. Once again, I quite struggled in having reliable insurance information about the floods since this risk has never been surveyed separately from the overall house damages before 2010. From 2010 to 2012, because of the frequency and the importance of the floods, insurance companies have been trying to study the cost of climatic catastrophes but it was not profitable enough for them to keep on. Indeed, there are not enough people subscribing to house insurances for it to be profitable. Hence, I did not work only on 2010-2012 data because it does not allow me to stand back enough. I worked with the overall house damages data. Finally, from the two previous analysis, an actuary have to adapt his product to the consumer market.