Flood Risk Scoring and Mapping for Insurance Underwriters

Map and score your flood risks.

Identify your policy exposures.

Keep your book above water.
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Gain Granularity and Coverage with GaugeFlood Risk Scores for Flash Flood, River Flood and Storm Surge

The property-level factors that affect flood risk require a specialized solution to help insurers visualize damage and claims potential.

GaugeFlood is the premier web-based flood risk scoring and mapping solution covering the continental U.S. — including its coastlines and all 4.6 million miles of river and stream networks — with individual-address granularity. P&C insurance underwriters can assess flood risks by region or individual address to write better policies.

U.S. flood losses average almost $8B annually — in a severe rain event, how many of your P&C policies could be underwater? GaugeFlood risk models offer sophisticated assessments for river flooding, flash flooding, and coastal storm surge to create the most complete insurance flood maps on the market today.

Even though Hamburg, Iowa, sits well outside FEMA’s designated flood zone, GaugeFlood’s risk score of 8.9 proved accurate when the area experienced significant flooding in March 2019.

Visualize Flood Risks

GaugeFlood offers all the flood risk data underwriters need to write smart business. Search properties, overlay maps, and 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

Visualize inland and coastal flood risks and view valuable data on elevation, distance to water, inundation levels and hurricane frequency scores to understand the true risk of flooding at any property in your portfolio. Need to know how risky a policy could be? We have scores for that.

Write Nationwide Flood Business

We combine risk maps, scores and data into a single dashboard to help you understand how properties will be affected by flood events based on geospatial risk factors. How will the next 50-, 100- or 500-year storm affect your book?
We have scores for that.

Count on Accurate Flood Coverage

Flash Flood — Our risk map scores locations based on soil hydrologic attributes, land use and land cover types, rainfall intensity and topography to help you determine which areas are prone to flash floods.

River Flood — Studies show inland flood plains could expand by 45% by 2100. We score the risk factors including elevation and distance to water to model runoff depth for 50-yr, 100-yr, 500-yr and 1000-yr storm events.

Storm Surge — Our storm surge module offers risk scores and proprietary modeled inundation levels for tropical storm and hurricane storm surge heights and levels. Factors include distance to coastline, elevation and hurricane frequency scores.

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

Don’t rely on fragmented, outdated FEMA flood coverage maps anymore. GaugeFlood offers the most complete flood risk scoring available.

Search any property to instantly view FEMA-designated flood zones overlaid with our sophisticated, proprietary geospatial risk data based on elevation, water distances and severe weather frequency.

Gain the essential, nationwide risk data and capitalize on valuable opportunities to write new policies with better flood models. Keep your book above water with GaugeFlood.

Underwriting Workflow

Combine All Policies in a Single Dashboard

Flood zones can vary widely based on geospatial attributes. One of your policyholders may be risk-free while their neighbor has a severe risk of river flooding from the next 100-year event. GaugeFlood allows you to upload your policies into the dashboard and overlay them on the risk maps to quickly identify high-risk policies or neighborhoods, search by address and draw a custom polygon to overlay all the policy exposures in a given area. 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.

Risk Modeling and Assessment

Inspect Regional Risks of Insured Locations

Our flood zone 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 risk associated with a flood when a river or stream overflows its banks. The score is representative of 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 m).

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 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 where no flood hazard analysis has been conducted.

Gauge Storm Surge Risk Score

The risk of any surge water height from a hurricane. The score is representative of 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 scoring is accurate to a horizontal resolution of 33 feet (10 m) used in Gauge Hurricane Surge analysis.

Future Conditions 1% Annual Chance

A 1% annual chance of a flood hazard.

Area with Reduced Risk Due to Levee

Flood hazard zone on the landward side of the levee.

Coastal Barrier Resources System

A system of protected coastal areas that includes ocean-front land and the Great Lakes. The coastal barriers serve as buffers between coastal storms and inland areas, often protecting properties 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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