Flood Risk Scoring & Mapping for Insurance Underwriters

Map and score your flood risks

Identify your policy exposures

Keep your book above water
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GaugeFlood Coastal & River Flood Scoring & Mapping.
Search Any Address to View Scores & Risk Factors.

GaugeFlood is a web-based flood risk scoring and mapping dashboard that helps P&C insurance underwriters assess property flood risks down to the address. GaugeFlood risk maps cover the entire continental U.S., including coastlines and all 4.6 million miles of river and stream networks across the country. The GaugeFlood model supplements fragmented FEMA flood maps with sophisticated coastal storm surge and river flood risk data to create the most complete insurance flood maps on the market today.

U.S. flood losses average almost $8 billion annually—how many of your P&C policies could soon be underwater?

hamburg Iowa flood map

Hamburg, Iowa sits well outside the FEMA flood zone but experienced significant flooding in March 2019. GaugeFlood shows a flood risk score of 10.

Visualize Flood Risks

GaugeFlood provides underwriters with all the flood risk data they need to write smart business. Search properties, overlay FEMA maps, & view proprietary risk attributes with 10-meter accuracy. How do elevation and distance to water affect your flood risks? We have scores for that.

Assess Your Exposures

Upload your policies to visualize inland and coastal flood risks throughout the country. View valuable data about elevation, distance to water, inundation levels and hurricane frequency scores to understand the true risk of flooding at any property across your portfolio.

Write Nationwide Flood Business

We combine risk maps, scores & data in one dashboard for a complete flood insurance underwriting solution. Understand how any property will be affected by various flood & hurricane events based on its geospatial risk factors. How will the next 50, 100 or 500-year storm affect your book?

Flood coverage you can count on

GaugeFlood supplements incomplete FEMA flood maps with nationwide river and coastal flood risk data. Search any property to instantly view FEMA flood zones plus a wealth of geospatial risk data based on elevation, water distances and severe weather frequency. The slider on the right compares the FEMA flood map coverage with the flood risk coverage provided in GaugeFlood. The choice is clear.

If you rely solely on FEMA flood zones to underwrite policies, you’re not only missing essential risk data across the country, but also valuable opportunities to write new policies with better flood models. As sea levels rise and storms intensify, so too does the risk of major river and storm surge flooding. Keep your book above water with GaugeFlood.

FEMA flood map coverageGaugeFlood Flood risk scoring map coverage | Athenium Analytics

FEMA maps provide fragmented and outdated flood coverage - covering only 60% of the U.S. A recent FEMA study found that inland flood plains could expand by 45% by 2100. GaugeFlood provides 100% river flood coverage for the most complete flood risk scoring available.

Underwriting Workflow

All your policies in one dashboard

GaugeFlood allows users to upload their policy data directly into the dashboard for easy access. Users can search by address or draw a custom polygon to overlay all the policy exposures in a given area. Flood zones can vary widely based on geospatial attributes like elevation and distance to water.

One of your policyholders may be risk free while their neighbor has a severe risk of river flooding from the next 100-year event. Overlay all your policies on the risk maps and quickly identify high-risk policies or neighborhoods. You can even include custom data like policy numbers, property values and business income.

Miami Florida Insurance Flood Map from Athenium Analytics

Choose your radius or draw a custom polygon to view policy exposures.

Flood Risk Modeling & Assessment

Inspect the regional risks of your insured locations with our FEMA flood risk attribute overlay

FEMA flood zone visual overlays allow underwriters to understand general risk areas for flood and government requirements for insurance. Learn more about each FEMA flood risk attribute overlay that is implemented in our GaugeFlood model.

Gauge River Flood Score

The Gauge River Flood score represents the risk associated with a flood resulting from a river or stream overflowing its banks. The score is representative of both frequency (the likelihood of a flood occurring at any point in time) and severity (the expected depth of flood water) at the searched location. The scoring is accurate to a horizontal resolution of 33 feet (10 meters).

1% Annual Chance Flood Hazard

A 100-year flood

0.2% Annual Chance Flood Hazard

A 500-year flood

Regulatory Floodway

The channel of a river or other watercourse and the adjacent land areas that must be reserved in order to discharge the base flood without cumulatively increasing the water surface elevation more than a designated height.

Special Floodway

The land covered by the floodwaters of the base flood is the Special Flood Hazard Area (SFHA).

Area of Undetermined Flood Hazard

Areas with possible but undetermined flood hazards or no flood hazard analysis has been conducted.

Gauge Storm Surge Risk Score

The Gauge Hurricane Surge score represents the risk of any surge water height from any category of hurricane. The score is representative of both frequency (how often each category of storm has occurred) and severity (the “worst case” surge water height for each category of storm) at the searched location. The more precise scoring reflects the precise resolution of 33 feet (10 meters) used in Gauge Hurricane Surge analysis.

Future Conditions 1% Annual Chance

1% Annual Chance Flood Hazard

Area with Reduced Risk Due to Levee

Flood hazard zone on the landward side of the levee.

Coastal Barrier Resources System

The CRBS is a system of protected coastal areas that includes the ocean-front land, the Great Lakes and Other Protected Areas (OPAs). The coastal barriers serve as important buffers between coastal storms and inland areas, often protecting properties on land from serious flood damage.

Base Flood Elevation

The computed elevation to which floodwater is anticipated to rise during the base flood.

FEMA-Demarcated Regulatory Floodways

Line file for regulatory floodway.

Take a Closer Look at our Flood Risk Scoring Software

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How can flood analysis help your business?

Discover how flood risk scoring from Athenium Analytics can change the way your business operates. Sign up for a free demo and a member of our team will be in touch soon.

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