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Earth is a risky place and the ground underneath our feet is no exception. Our earth risks include:
- Mine Subsidence
- Distance to Nearest Fault
- Fracking Earthquakes
- Radon Levels
1 in 15 homes accross the U.S. tests positive for dangerous radon levels. Radon is a radioactive, invisable, odorless gas that is emitted naturally from...
Property elevation can identify risks for flooding, Elevation certificates play a major role in identifying premiums for the National Flood Insurance...
Fracking can trigger faults in the earths crust to slip due to hydraulic fluids seeping into the fault or the pressure of fluids against the rock....
A landslide or landslip refers to several forms of land wasting and ground movement such as rockfalls, slope failures, mud flow or debris flows....
Fault lines are fractures in the earths crust. The blocks of rock on each side can move relative to each other during and after an earthquake....
Earthquakes are the sudden and violent shaking of the earth as a result of movements within the earths crust or volcanic events....
Mine Subsidence results from collapsed mines. This collapse causes sinking of the ground surface leading to either a pit or sag. ...
A sinkhole can occur naturally or due to human activities. Sinkholes are formed when water erodes the area below the grounds surface causing the ground...
While all you may need is the air that you breathe, that same air can bring you a load of misery in the form of:
- Straight-line Winds
- Convective Storms
- Lightning ground strike probability
- Wind Pools
- NOAA Special Wind Regions
- Florida Wind-Borne Debris Zones
- Tier 1 / Tier 2 Counties
Most coastal states have wind pools which are state mandated risk sharing programs that provide insurance for properties in the highest risk areas. ...
Cloud to ground lightning can cause a risks such as fire, and electric surges to your property. When lightning hits a home major damage can result. ...
Tornadoes are violent rotating columns of air that contact the earths surface and a cumulonimbus cloud. They are capable of destroying anything in their...
Thunderstorms are also referred to as convective storms. These storms occur when moist air rises due to intense heating in the upper atmosphere....
Hail is a form of solid precipitation that forms within a thunderstorms updrafts. Hailstones can damage homes and vehicles and is also potentially deadly...
A straight-line wind is any thunderstorm wind that does not rotate. Wind Gusts, outflow, downburts and darechos are examples of straight-line winds....
Hurricanes or tropical cyclones are low-pressure systems that gain energy over tropical or subtropical waters. They produce strong winds, , spiraled organized...
FIRE & WILDFIRE RISKS
Fires can be devastating. Most fire damage comes from events that are man-made, either intentionally or accidentally. Fire hazards include:
- Distance to Nearest 3 Fire Stations – both in time and in drive distance
- HazardHub Wildfire Model – 50 State Wildfire Coverage
- National Fire Station Database with over 54,000 stations and station characteristics
- HazardHub Property Fire Score
- AAIS Fire Protection Class
- HydrantHub Fire Hydrant Locations – more than 11,000,000 known fire hydrant locations
more than 11,000,000 known fire hydrant locations...
The American Association of Insurance Services criteria covers 5 protected classes, a partially protected class, and an unprotected class....
Property Fire Score (PFS) delivers an expected loss percent and value for any property in the US. PFS combines fire station data with water network data...
With more than 54,000 stations and station characteristics. the National Fire Station Database is the best source to tell you how close your property is...
50 State Wildfire Coverage...
If the distance from a property to the nearest fire station exceeds 5 miles insurance premiums are generally higher....
LEARN YOUR RISKS TODAY
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The biggest insurance losses are caused by water. It seems that we can’t live without it and we can’t live with it. Water hazards include:
- FEMA Flood Zones with FEMA Descriptive Variables
- HazardHub Enhanced Flood Model
- HazardHub Catastrophic Flood Risk Model
- SurgeMAX Storm Surge Model
- High Resolution and Low-Resolution Distance to Coast Measurements
- Drought Score
- Ice Dam Risk
- Frozen Pipe Risk
- HazardHub Tsunami Risk Model
The biggest insurance losses are caused by water. It seems that we can’t live without it and we can’t live with it. Water hazards include: HazardHub...
If nature wasn’t putting up enough of a fight, it seems we’re also making things a little bit more risky for ourselves. Man-made hazards include:
- Superfund Sites
- Brownfield Sites
- Underground Storage Tanks
- Leaking Underground Storage Tanks
- Toxic Release Facilities
- Nuclear Facility Locations
- Drug & Alcohol Deaths
- Premium Tax Zones
If nature wasn’t putting up enough of a fight, it seems we’re also making things a little bit more risky for ourselves. Man-made hazards include: Superfund...
PROPERTY CHARACTERISTICS RISKS
We collect data from 96% of US counties , providing incredible coverage for over 60 key data elements including property use code, year built, square footage.
We also integrate data from over 90% of MLS systems, providing even more depth of information about MLS-listed properties.
Next, we provide an estimated value range for the property, based on what other similar properties have sold for in their local market.
ARE YOU CHARGING THE RIGHT PREMIUM?
Too many insurers rely on zone rating, where all homes in the same zones have the same base rate. As we know, those zones are often large and not designed with perils in mind. The impact? You can end up charging too little – or too much – premium, putting your brand at a severe competitive disadvantage.
HazardHub provides the data you need to smash zone ratings and make the rate where it should be – at the property level.
900 VARIABLES IN LESS THAN 2 SECONDS
EASY TO UNDERSTAND A-F GRADING SYSTEM
DETAILED RISK ANALYSIS THAT SUPPORT GRADED SCORES
ACCESS TO ALL THE DATA FOR $1 PER LOOKUP