Blog

March 11, 2019 | IN Blog

HazardHub Introduces Mold Susceptibility Database and Updated Fire Station and Wildfire Data

HazardHub, the nation’s fastest-growing supplier of geospatial risk data, is pleased to announce the launch of two brand new data sets and updates to four others. All new and updated data is immediately available via the HazardHub API.

 

New datasets include –

HazardHub Mold Susceptibility Index – Mold is an increasingly serious problem for insurers, as undetected water leaks and other environmental conditions can provide a great environment for mold. Mold forms from a combination of internal construction and external environmental conditions. HazardHub’s Mold Susceptibility Index provides a score of the likelihood that the external environmental conditions that encourage mold growth exist at a property.

Airport Noise –  We’ve taken noise contours and flight paths from hundreds of public and private airports to create our Airport Noise database. Airport noise can be a huge factor in a property owner’s enjoyment of their property. We provide the data to help consumers better understand any property they may consider purchasing, leasing or renting.

 

Updated datasets include –

Fire Station Locations – Since October of 2018, more than 200 fire stations have opened, closed (mostly permanently but sometimes temporarily) or moved – all moves that are captured in our updated Fire Station location database.

Wildfire Perimeters – We’ve added 1,381 wildfire perimeters from 26 states, including 91 from California, 235 from Idaho, 24 from Arkansas and 1 from Hawaii. Our perimeters are a small but potentially significant input to our Wildfire Model, as prior perimeters are highly correlated with the emergence of new wildfires.

Vegetation Burn Points – Satellite imagery of vegetation burn points is another critical input to our wildfire model. We now have over 2 million vegetation burn points that help us to really fine-tune the HazardHub Wildfire Model.

Fire Hydrant Locations – As previously announced, HydrantHub recently passed 10 million fire hydrant locations. All new hydrant locations are now available to HazardHub clients.

 

Joe Litchfield, Chief Data Officer of HazardHub says “At HazardHub, we’re always striving to provide our customers with the best possible data to help them guard against risk. We’re really excited about our new March release of data. Our team has been hard at work updating many of the data elements – like fire stations, hydrants, and wildfire data – critical to our clients, but we’ve also found time to create our new Mold Susceptibility database.”

 

March 03, 2019 | IN Blog

HazardHub’s HydrantHub Passes 10 Million Fire Hydrant Locations Nationwide

SAN DIEGO CA – HazardHub, the nation’s fastest-growing supplier of geospatial risk data, has announced that HydrantHub – the nation’s first and only addressable database of fire hydrant locations – has just added its 10 millionth fire hydrant location. The milestone was achieved while examining the more than 180 hydrants for Hamlin, NY, as part of HazardHub’s intense drive to add fire hydrant locations.

Distance to a fire hydrant is one of the most critical components to properly priced homeowners and property insurance. Yet – too often – hydrant data is simply missing from existing fire protection algorithms.  HydrantHub’s aim is to break that data blockage by collecting and standardizing hydrant data, then making that data available to consumers, insurers, inspectors, and municipalities across the country. Not only can HydrantHub tell you the closest hydrant,  it can also tell you the number within perimeter 1,000-foot radius of a location, giving insurers unique insight as to how well a community can provide critical water assets to a fire. The hydrant locations in HydrantHub cover over 80% of the US population with hydrants.

HydrantHub is available via HazardHub’s free “Where’s My Closest Hydrant” tool on www.hazardhub.com, as well as HazardHub’s powerful API.

HydrantHub – along with HazardHub’s comprehensive Fire Station Location database – provides incredible insight for accurate measurement of fire protection for any property in the US. HazardHub’s Fire Station database, which is updated weekly, provides the closest three stations, the station response area name, how the stations are staffed, as well as the number of total stations within 5 and 10 miles of any location – all critical factors in minimizing the spread and destructive power of a fire. All done automatically with no input necessary from the end user.

Mike Jolitz, CTO of HazardHub, says “We started building HydrantHub more than two years ago and it is simply amazing how far we have come. 10 million hydrants is an incredible accomplishment due to the non-stop diligence and obsession of everyone at HazardHub. We now have thousands of areas covered in our database – many for the first time – with a goal of capturing every fire hydrant location in the US. We are driven to create the nation’s largest, most complete, and most accessible fire hydrant database. Our fire station database is the most updated and most accurate fire station database ever assembled. If you’re looking for fire hydrant and fire station locations, nothing can match the locational power of HazardHub.”

To learn more about HydrantHub, or our fire station database, visit www.hazardhub.com or reach us directly at support@hazardhub.com.

January 31, 2019 | IN Blog

HazardHub Releases New and Updated Data!

It seems like forever since we’ve released new data…even though it’s only been since November! So we decided to release some this month. (Don’t worry, we’ll have some more real soon!) If you’re an API customer, the data is live and available today!

 

SurgeMax Inundation Depths – Our current SurgeMax model gives you the risk of storm surge, tied to the strength of the storm. We’re adding the actual expected inundation depth from surges of various sizes. This way, you can have a better idea of how to protect a property from storm surge inundation. Our SurgeMax data now includes – Inundation depths for each storm category, CAT 1 through CAT 5 1 foot intervals 1 – 20 feet and > 20 feet, and Areas protected by levees. The best storm surge product just got even better.

 

Perennial water within 1000′ for fire protection class –  Our AAIS-based Fire Protection Grade looks for either the presence of a fire hydrant with 1000 feet or perennial water within 1000 feet of a property. We parsed that data element out into its own variable, to show how a property is “covered” for water.

 

California Fire Hazard Severity Zone – CalFire maps show the risk of wildfire associated with a location, as well as an indicator of whether the responsible fire entity is Cal Fire or the local fire department. It also shows whether the risks are high/medium/low. It’s one more California-specific tool you can use to evaluate risk in the great State of California.

 

Potential Maximum Precipitation based on 500 year return period – While two properties may have very similar distances and slopes towards rivers and other flood-causing bodies of water, they may have very different flood probabilities due to our newest variable, Potential Max Precipitation. This variable shows, in inches, the probable max precipitation that can fall on an area.

 

Updated JSON schema – For our more technical users, we’ve updated our JSON schema so that it always syncs to our underlying data. As the data updates, so will the schema. Automatically.

 

We’ve got more exciting news to share in the upcoming months! Stay tuned!

January 21, 2019 | IN Blog

Ventus Risk partners with HazardHub for location-specific data

SAN DIEGO CA – HazardHub, the nation’s fastest-growing supplier of geospatial risk data, is pleased to announce that Ventus Risk Management (www.ventusrisk.com) has selected HazardHub as a provider of location-based hazard information.

In an industry slow to embrace change or technology, Ventus stands apart. The Company’s use of applied technology at every stage of the process transforms the landscape of insurance risk transfer, updating and streamlining a traditionally archaic business model while improving risk selection and analysis. By leveraging its proprietary technology, Ventus is fast becoming a market leader that sets a new standard for underwriting and managing catastrophe-exposed insurance risk.

Stuart Mercer, President of Ventus, says “at Ventus, we use technology to enhance the underwriting process. HazardHub shares our mission by providing highly-detailed, location-specific data via an API. They’re accurate, fast and flexible. We’re looking forward to an excellent partnership. “

Within its proprietary underwriting platform, Ventus Insurance Knowledge Interface (VIKI), Ventus easily interfaces with third-party sources and proprietary algorithms to enrich and validate property data at the point of ingestion. All of this data is then stored in an easily searchable schema allowing un-paralleled pricing analysis and modeling.

Bryan Adams, VP of Analytics and Technology for Ventus adds “I am incredibly excited to work with HazardHub. We’ve evaluated and analyzed the output of their data and found them to be a great partner for us to work with. They combine excellent data with a fast API that allows Ventus to build an ever-better platform.”

Bob Frady, CEO of HazardHub, says that “HazardHub has worked diligently to bring both high-quality data and outstanding technical flexibility to the commercial and personal insurance world. A year ago, we sat down with Stuart and told him our plans. Ventus put us through our paces – we are very excited that Ventus has selected HazardHub as their data provider.”

About HazardHub

Air. Fire. Water. Earth. Man Made. HazardHub is the only third-generation provider of property-level hazard risk databases spanning the most dangerous perils in the continental United States. HazardHub translates huge amounts of geospatial digital data into easy to understand answers, providing easy to comprehend risk scorecards that are used to make real-world decisions.  Our team of scientists provides comprehensive, and innovative, national coverage for risks that destroy and damage property.

To learn more about HazardHub, visit www.hazardhub.com or reach us directly at support@hazardhub.com.

About Ventus Risk Management

Established in late 2015, Ventus Risk Management is a commercial property managing general underwriter currently focused on writing coastal coverage from Texas to Maine including all catastrophe perils.  The Company’s primary focus is currently Small (TIV $2-15m) and SME (TIV $15-150m) accounts with a Large account (> TIV $150m, shared and layered) strategy targeted for 2019.  Ventus differentiates itself from other MGUs and carriers by leveraging its unique technology platform (“VIKI”) to drive superior underwriting efficiencies and discipline, as well as unmatched data mining and risk analysis capabilities.  For more information, visit www.ventusrisk.com.

November 08, 2018 | IN Blog

HazardHub Releases Frozen Pipe Score, Ice Dam Score and enhanced Weather Variables

An average of a quarter of a million American families have one or more rooms in their homes ruined and their lives disrupted each winter by water pipes freezing and breaking. Until today, the insurance industry has struggled to get their collective hands around this multi-billion dollar risk.

Introducing the Frozen Pipe Score and Ice Dam score from HazardHub!

Frozen Pipe Score

Numerous studies have shown the “threshold” temperature for frozen pipes is when the temperature falls below 20°F for more than 24 hours in areas where freezing is not normally expected and pipes are unprotected in crawl spaces and attics.  In areas that experience long periods of winter weather, pipes are generally better protected, but freezing pipes can still occur if bitter temperatures persist for several days.  The problem is, therefore, a function of both temperature and duration.

The HazardHub Frozen Pipe Score is based on long-term weather records from over 7,000 weather stations.  The final score is based on long-term average minimum temperatures, the number of days in which the maximum temperature is below freezing, the number of winter days below 0° and below 20°, plus several other variables.  It is a numeric scale (0 -365).  The ordinal scale has also been bucketed into 5 grades (A – F) based upon logical breaks in the data.

Ice Dam Score

Another potential risk for homes in colder areas are ice dams. An ice dam is a ridge of ice that forms at the edge of a roof and prevents melting snow (water) from draining off the roof.  The Ice dam occurs when melting snow water flows from a warmer part of a roof to the unheated portions of the eaves.  The water freezes and, over time, builds up into a dam which traps melting water, forcing it under the shingles and through the roof. The water that backs up behind the dam can leak into a home and cause damage to walls, ceilings, insulation, and other areas.

Ice dams are a function of both temperature and snowfall.  Without sufficient snow on the roof, even the coldest temperatures will not produce ice dams.  The HazardHub Ice Dam Score combines the severity and duration of below-freezing weather (all of the variables in the Frozen Pipe score) with the amount and duration of snow cover to create a numeric scale (0 – 665).  This ordinal scale has also been bucketed into 5 grades (A -F).

 

New Weather Data

In order to build our Frozen Pipe and Ice Dam scores, we needed to generate a tremendous amount of new weather data variables. Rather than keep them to ourselves, we’ve chosen to make them directly available to our users. While we’re mostly focused on our property & casualty lines of business, we also think this data will be helpful for Auto writers. Of course, there’s no extra charge for the additional data.

For a test address in Massachusetts, here’s how the enhanced Weather Data will appear in the HazardHub API –

weather_params: {

  • annual_average_days_less_than_0: “1.3 Days”,
  • annual_average_days_less_than_10: “10.6 Days”,
  • annual_average_days_less_than_20: “39.4 Days”,
  • annual_average_days_more_than_40: “309.4 Days”,
  • annual_average_days_more_than_50: “245.4 Days”,
  • annual_fall_days_less_than_0: “0.0 Days”,
  • annual_fall_days_less_than_10: “0.0 Days”,
  • annual_fall_days_less_than_20: “1.0 Days”,
  • annual_fall_days_less_than_32: “15.9 Days”,
  • annual_spring_days_less_than_0: “0.0 Days”,
  • annual_spring_days_less_than_10: “0.4 Days”,
  • annual_spring_days_less_than_20: “4.4 Days”,
  • annual_spring_days_less_than_32: “28.4 Days”,
  • annual_winter_days_less_than_0: “1.3 Days”,
  • annual_winter_days_less_than_10: “10.1 Days”,
  • annual_winter_days_less_than_20: “34.1 Days”,
  • annual_winter_days_less_than_40: “86.9 Days”,
  • average_annual_precipitation: “50.3 Inches”,
  • average_annual_temperature_max: “58.9 Degrees F”,
  • average_annual_temperature_min: “41.1 Degrees F”,
  • avg_num_days_below_32_degrees: null,
  • avg_num_winter_days_below_32_degrees: “74.2 Days”,
  • cooling_degree_days: “525.0 Degrees F”,
  • fall_diurnal_range: “18.4 Degrees F”,
  • fall_days_with_max_temp_less_than_32: “0.1 Days”,
  • heating_degree_days: “5999.0 Degrees F”,
  • spring_days_with_max_temp_less_than_32: “1.3 Days”,
  • spring_diurnal_range: “17.9 Degrees F”,
  • winter_days_with_max_temp_less_than_32: “16.7 Days”,
  • winter_diurnal_range: “17.5 Degrees F”,
  • average_annual_snowfall: “36.1 Inches”,
  • average_days_snowfall_greater_than_10_inches: “29.2 Days”,
  • average_days_snowfall_greater_than_1_inch: “29.2 Days”,
  • average_fall_snowfall: “1.0 Inches”,
  • average_spring_snowfall: “7.5 Inches”,
  • average_winter_snowfall: “27.6 Inches”,
  • avg_days_snow_depth_above_10_in: “29.2 Days”,
  • avg_days_snowfall_above_1_in: “29.2 Days”,
  • fall_days_snow_depth_greater_than_10_inches: “0.1 Days”,
  • fall_days_snow_depth_greater_than_1_inch: “0.4 Days”,
  • fall_days_snow_depth_greater_than_3_inches: “0.2 Days”,
  • fall_days_snow_depth_greater_than_5_inches: “0.2 Days”,
  • spring_days_snow_depth_greater_than_10_inches: “0.2 Days”,
  • spring_days_snow_depth_greater_than_1_inch: “4.5 Days”,
  • spring_days_snow_depth_greater_than_3_inches: “2.8 Days”,
  • spring_days_snow_depth_greater_than_5_inches: “1.2 Days”,
  • winter_days_snow_depth_greater_than_10_inches: “2.5 Days”,
  • winter_days_snow_depth_greater_than_1_inch: “24.3 Days”,
  • winter_days_snow_depth_greater_than_3_inches: “14.3 Days”,
  • winter_days_snow_depth_greater_than_5_inches: “8.8 Days”

(This home scores a “D” for both Frozen Pipes and Ice Dams.)

We’re super-excited to add these new data elements to our API. If you’re interested in learning more, let us know!

October 17, 2018 | IN Blog

HazardHub Releases Enhanced Property Characteristics

At HazardHub, data is our passion. We aim to provide as much data as possible to make the insurance process both way faster and way MORE accurate.

The one key element we thought we could improve upon? Property characteristic data. We currently provide county assessor data and – while it does a great job at proving things important for the assessor (like beds, baths, and sq footage) – it does not do such a great job at proving the level of detail that makes a property come alive. Of course, at HazardHub we love a good data challenge. We did some digging and determined that we could be better. A LOT better.

Introducing Enhanced Property Data from HazardHub – our data source that combines county tax assessor data with in-depth real estate transaction data to give you unprecedented insight into the characteristics of an individual property.

Here’s a sample of data that’s available for 637 Hibiscus Glen in Escondido, CA.

Here’s how the complete data looks in the HazardHub API – the BOLD data represents new data elements previously unavailable with HazardHub.

  • enhanced_property_data: {
    • property: {
      • address: “637 HIBISCUS GLN, ESCONDIDO, CA 92025”,
      • apn: “272-672-06-30”,
      • use_code: “Condominium”

      },

    • assessment: {
      • Assessed_Improvement_Value: 213490,
      • Assessed_Land_Value: 103929,
      • Assessment_Year: “2017”,
      • Building_Area: 2163,
      • Building_Area_1: 0,
      • Garage_Cars: 2,
      • Garage_Type: “Yes”,
      • LSale_Price: “0”,
      • LSale_Price_Code: “Transfer Tax on document indicated as EXEMPT.”,
      • LSale_Recording_Date: “20180504”,
      • LotSize_Acres: 5.23,
      • LotSize_Frontage_Feet: “0000000000”,
      • LotSize_Square_Feet: 227798,
      • Main_Building_Area_Indicator: “Living Area”,
      • N_of_Plumbing_Fixtures: “0”,
      • Number_of_Baths: 2,
      • Number_of_Bedrooms: 3,
      • Number_of_Partial_Baths: 0,
      • Number_of_Units: 1,
      • Owner1FirstName: “JOHN C”,
      • Owner1LastName: “SIEGMAN”,
      • Owner2Firstname: “ROXANNE A”,
      • Owner2LastName: “SIEGMAN”,
      • PSale_Price: “605000”,
      • School_Tax_District_1: “ESCONDIDO CITY”,
      • School_Tax_District_1_Indicator: “Tax”,
      • School_Tax_District_2: “ESCONDIDO UNION”,
      • School_Tax_District_2_Indicator: “School”,
      • Standardized_Land_Use_Code: “1004”,
      • Tax_Amount: 3662.2400000000002,
      • Tax_Rate_Code_Area: “4-167”,
      • Total_Assessed_Value: 317419,
      • Total_Market_Value: 0,
      • Total_Number_of_Rooms: “0”,
      • Year_Built: “1983”,
      • No_of_Stories: null,
      • Owner_Occupied: null,
      • School_Tax_District_3: null,
      • School_Tax_District_3_Indicator: null

      },

    • listing_record: {
      • list_date: “3/11/2018”,
      • list_price: 649000

      },

    • mls_listing_record_details: {
      • ex_construction_features: “Stucco”,
      • ex_fence_features: “FN”,
      • ex_garage_features: “Attached”,
      • ex_garage_spaces: 2,
      • ex_parking_features: “Driveway”,
      • ex_roof_features: “Tile”,
      • ex_sewer_features: “Sewer Connected”,
      • ex_style_features: “Spanish/Mediterranean”,
      • if_cooling_features: “Central”,
      • if_cooling_yn: “YES”,
      • if_fireplace_yn: “YES”,
      • if_heating_features: “Forced Air, Gas Natural”,
      • if_levels_features: “02 Story”,
      • if_water_features: “Meter On Property, Gas Water Heater”,
      • in_living_square_feet: 2163,
      • in_property_type: “Residential”,
      • rm_baths_full: 2,
      • rm_baths_total: 2,
      • rm_bedrooms_total: 4,
      • rm_room11_type: “BD”,
      • rm_room13_type: “BD”,
      • Ad_geo_altitude: null,
      • ad_zone_features: null,
      • ex_exterior_wall_features: null,
      • ex_foundation_features: null,
      • ex_general_features: null,
      • ex_location_features: null,
      • ex_lot_size_acres: null,
      • rm_family_yn: null,
      • rm_room11_features: null,
      • rm_room13_features: null,
      • rm_rooms_total: null,
      • ex_patio_features: null,
      • ex_patio_yn: null,
      • ex_road_features: null,
      • ex_wateraccess_features: null,
      • ex_waterfront_features: null,
      • if_appliance_features: null,
      • if_basement_features: null,
      • if_basement_yn: null,
      • if_floor_features: null,
      • if_general_features: null,
      • if_security_features: null,
      • if_security_system_yn: null,
      • if_utilities_features: null,
      • if_window_features: null,
      • in_association_dues1: null,
      • in_sold_date: null,
      • in_sold_price: null,
      • in_subtype: null,
      • rm_baths_half: null,
      • sc_school_district: null

      },

Gathering data about a property is a painful, manual process that introduces numerous errors into the insurance process. With the introduction of Enhanced Property Data, we’ve taken a 30-40 minute data gathering exercise and reduced it to less than 30 seconds, while increasing the accuracy of your data.

Having instantaneous, automated access to property characteristic data is critical for agents, carriers, AND insureds. Agents can focus on being a trusted advisor to clients and get out of the data gathering business. Carriers can speed up both the accuracy and timing of a policy quote with instant access to our risk data, our fire station and hydrant data, and in-depth property characteristic data. Applicants and agents will no longer need to take the time to answers questions that can easily be pulled from a trusted and reliable third-party source.

Here’s the best part! The improvements are absolutely FREE for all existing property data customers. Like with all of our data, when we develop a massive improvement you get it at no additional cost.

If you want the Enhanced Property Data, just let us know and we’ll add it to your API account

September 28, 2018 | IN Blog

HazardHub Releases Advanced Wildfire Model

SAN DIEGO – HazardHub has launched its advanced Wildfire Model for the United States. The new model represents an incredible improvement over current wildfire models, combining fuel load, urban/wildland interface data, rainfall data, wind data, satellite imagery, and known wildfire perimeters to create the highest resolution, most detailed wildfire assessment ever available.

Brady Foust, Chief Science Officer at HazardHub, said “I have been developing wildfire models for many years. I have never felt more confident in a wildfire model. The HazardHub Advanced Wildfire Model captures and concentrates risk in the areas that are most susceptible to wildfire while resisting the temptation to simply label an entire area as dangerous.”

Foust adds “most static models concentrate on fuel load and distance to the Wildland/Urban Interface (WUI).  These are important variables, but we add an additional five: 1) fire season rainfall; 2) vegetation burn points; 3) distance to high or very high areas [based on fuel load and WUI]; 4) distance to historic wildfire perimeters; and 5) katabatic wind zones.  Properties located in these zones (e.g., the Santa Ana wind zone in southern California) are at a much higher risk than those outside these zones.

Most fire departments are fantastic at knocking down wildfires in the absence of wind. However, if a Santa Ana-type wind is blowing, all bets are off. Normal winds can blow dangerous firebrands a 1,000 feet or more, but a Santa Ana or El Diablo wind can propel them at least 2.5 kilometers (1.55 miles). The integration of wind parameters – along with satellite imagery and rainfall data – into our model is helping to highlight those areas that are at the highest risk of wildfire and concentrate the risk where it’s most likely to happen.”

In an analysis of 60,000 California properties, here’s the distribution showing that 97.9% of properties inside of known wildfire perimeters were in 20.5% of housing units, with “F” properties showing nearly 11 times the fire risk of the average California property.

Bob Frady, CEO of HazardHub states, “as a California company, we are keenly aware of Wildfires and the destruction they can bring. These additional data elements add incredibly important factors that can make the difference between firefighters successfully saving properties or a fire over-running an area. We are excited to bring the best Wildfire Risk Model ever available to any insurer who works in wildfire-prone states, as well as to consumers via our www.freehomerisk.com site. We are constantly striving to build incredible accurate, actionable and comprehensive data to the market. With our Advanced Wildfire Model, we’re pushing far beyond what is currently available. Best of all, carriers are welcome to test the model absolutely free.”

 

 

September 25, 2018 | IN Blog

Insuretech Hartford Pitch Night

Last week we traveled to beautiful Hartford, CT (where the Connecticut River was REALLY high) for a series of meetings, including participating in the Insuretech Hartford Pitch event. We were one of nine startups, presenting to a large and engaged crowd from insurance companies all around the Hartford area.

Frankly, it was a LONG day in Hartford. It seemed like the entire day was one long “here’s who HazardHub is” presentation. It’s great but it’s tiring. So when pitch time rolled around, Bob poured that entire day into 5 sizzling minutes of pitch magic (at least, that’s how he described it.) You can judge for yourself, as the pitch was captured in a video!

 

Once the pitch was done, we thought “that was fun! Let’s mingle, watch a few pitches and grab a bite to eat.” So imagine our surprise when they announced the first winner for “Highest Potential.”

A couple of minutes later, here came the second award for “Best Problem/Solution Fit.”

 

A few minutes later, the grand prize. HazardHub was voted “All Around Favorite.” Which is a pretty cool award!

 

 

While winning these votes was certainly very cool, it’s only because they point out one really important fact – the industry is starving for this sort of data and believes that HazardHub has the potential to deliver far better answers than are currently available in the market. If YOU want great data, just let us know!

 

September 11, 2018 | IN Blog

Now THIS is Some Awesome Flood data!

At HazardHub, we’re always working on ways to provide better, cooler, more meaningful data to our clients. It’s just how we roll.

Flood is a hot topic for insurers right now. Between new entrants trying to write private flood policies to current carriers trying to get a feel for their commercial flood risk, we’ve seen an enormous uptick in interest for accurate, actionable and affordable flood data.

One of the problems with FEMA flood data is that it’s not organized as well as it could be. It’s messy, it’s cryptic, and the data is located in a number of different data repositories – flood map data elements are in a number of different places, participating communities are in another and FIRM map metadata is in yet another location. What happens is a community doesn’t have a map or if you simply want a second look at flood that does not consider FEMA’s flood zones? What about ocean water?

At HazardHub, we give you three looks at water that may come racing into your property from the outside. You know, the kind of water damage NOT traditionally covered by a personal lines insurance policy.

FEMA Flood – FEMA data, all in one place. See the details of the flood map, along with the FIRM dates. NEW – We’ve just added FEMA CRS (Community Rating Service) data that shows whether your community participates, what “level” they’re at and any discounts available for NFIP policies.

HazardHub Flood – What would happen in FEMA didn’t exist? What do nature and science have to say about water, regardless of pre-defined FEMA boundaries? Our HazardHub flood model considers distance, elevation, and water type to give you an unbiased look at flood risk.

HazardHub SurgeMax – Sometimes the water danger does not come from the land but instead from the ocean. Our SurgeMax score provides the highest detail of storm surge risk ever available!

Here’s how the data looks when returned through the HazardHub API – this location highlights the CRM data.

If you want to put the BEST flood tools available to work for you, contact us today!