--- title: The Risks of Hazard Blog | Intermap | Flood Risk description: Flood Risk | A blog that shows the power of location-based solutions in the world of insurance underwriting & risk management. --- [Investors](https://www.intermap.com/investors-2018-0) |[ Partners](https://www.intermap.com/partners-2018-0) |  [WebStore](https://store.intermap.com/MapShop.aspx?GeoLocation=World) [![Intermap Technologies Inc.](https://www.intermap.com/hs-fs/hubfs/Intermap%20Logo%202019%20-%20White.png?width=1656&height=277&name=Intermap%20Logo%202019%20-%20White.png "Intermap Technologies Inc.")](http://intermap.com) # [The Risks of Hazard](https://www.intermap.com/risks-of-hazard-blog) ## [By the Numbers: A Closer Look at Risk Scoring](https://www.intermap.com/risks-of-hazard-blog/2018/09/by-the-numbers-a-closer-look-at-risk-scoring) Posted by [Ivan Maddox](https://www.intermap.com/risks-of-hazard-blog/author/ivan-maddox) on Sep 19, 2018 8:00:00 AM - [Tweet](https://twitter.com/share) [![](//www.intermap.com/hs-fs/hub/395294/file-2511057490-png/Blog/2015-02-17_10_35_48-Risk_Scoring_-_Comparison_%282%29_%28Read-Only%29_[Compatibility_Mode]_-_Microsoft_Word.png) ](https://www.intermap.com/risks-of-hazard-blog/2018/09/by-the-numbers-a-closer-look-at-risk-scoring) [As previously discussed](https://www.intermap.com/risks-of-hazard-blog/2015/02/risk-scoring-improves-underwriting-4-benefits), risk scoring is a powerful way to evaluate risk by including disparate and complex datasets, business rules, and experience — all prioritized and weighted — in an algorithm. While it’s not a new idea, it is underutilized. Therefore, I think it's worth looking at a few examples of how it's done. (Since it’s a vast subject, this post will concentrate on [flood risk scoring](https://www.goinsitepro.com/custom-risk?hsCtaTracking=608161de-c3cc-474c-9c31-db88dfe4bbd7%7Cf05a1895-2af2-459f-8bb8-3727376b1a49).) [Read More](https://www.intermap.com/risks-of-hazard-blog/2018/09/by-the-numbers-a-closer-look-at-risk-scoring) 0 Comments [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/2018/09/by-the-numbers-a-closer-look-at-risk-scoring#comments-listing) Topics: [Insurance Underwriting](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-underwriting), [Risk Management](https://www.intermap.com/risks-of-hazard-blog/topic/risk-management), [Flood Risk](https://www.intermap.com/risks-of-hazard-blog/topic/flood-risk), [Risk Scoring](https://www.intermap.com/risks-of-hazard-blog/topic/risk-scoring) ## [Why We Like The Flood Conference](https://www.intermap.com/risks-of-hazard-blog/why-we-like-the-flood-conference) Posted by [Ivan Maddox](https://www.intermap.com/risks-of-hazard-blog/author/ivan-maddox) on May 2, 2018 8:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.intermap.com/hubfs/Blog/butterfly%20blog%20post%20-%20Nov.%202.jpg) ](https://www.intermap.com/risks-of-hazard-blog/why-we-like-the-flood-conference) It’s spring, which means one thing: [The Flood Conference](http://pcievents.cvent.com/events/national-flood-conference/event-summary-35338c3b5cbe445ca576904e68a8350b.aspx). Oh, it also means [flooding in Hawaii](https://www.usatoday.com/story/news/nation/2018/04/27/small-town-hawaii-may-have-just-had-rainiest-day-u-s-history/557654002/), but that’s different. [Read More](https://www.intermap.com/risks-of-hazard-blog/why-we-like-the-flood-conference) 0 Comments [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/why-we-like-the-flood-conference#comments-listing) Topics: [Floods](https://www.intermap.com/risks-of-hazard-blog/topic/floods), [Flood Risk](https://www.intermap.com/risks-of-hazard-blog/topic/flood-risk), [spring](https://www.intermap.com/risks-of-hazard-blog/topic/spring), [Flood Conference](https://www.intermap.com/risks-of-hazard-blog/topic/flood-conference) ## [Private Flood continues to grow despite HIM](https://www.intermap.com/risks-of-hazard-blog/private-flood-continues-to-grow-despite-him) Posted by [Bill Raymor](https://www.intermap.com/risks-of-hazard-blog/author/bill-raymor) on Mar 27, 2018 8:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.intermap.com/hubfs/Blog/March%2029%20-%202018%20blog.jpg) ](https://www.intermap.com/risks-of-hazard-blog/private-flood-continues-to-grow-despite-him) A tumultuous U.S. Nat Cat 2017 year bookended by huge first quarter losses from hail and tornado and an estimated $50bn+ insured losses from HIM (Harvey, Irma, and Maria) still did not impede the private flood insurance market from growing by 51.2% according to information referenced in an [Insurance Journal article](https://amp-insurancejournal-com.cdn.ampproject.org/c/s/amp.insurancejournal.com/blogs/right-street/2018/03/18/483689.htm) published on March 18th of this year. That news comes despite Congress’ delay in reform and reauthorization of the NFIP, currently +-$25 billion in debt (pre HIM). [Read More](https://www.intermap.com/risks-of-hazard-blog/private-flood-continues-to-grow-despite-him) 0 Comments [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/private-flood-continues-to-grow-despite-him#comments-listing) Topics: [Floods](https://www.intermap.com/risks-of-hazard-blog/topic/floods), [Flood Insurance](https://www.intermap.com/risks-of-hazard-blog/topic/flood-insurance), [Flood Risk](https://www.intermap.com/risks-of-hazard-blog/topic/flood-risk), [Private Flood](https://www.intermap.com/risks-of-hazard-blog/topic/private-flood) ## [Feds Underestimating Flood Risk and ‘The Strangeness Index’  ](https://www.intermap.com/risks-of-hazard-blog/feds-underestimating-flood-risk-and-the-strangeness-index-march-14-2018) Posted by [Bill Raymor](https://www.intermap.com/risks-of-hazard-blog/author/bill-raymor) on Mar 14, 2018 8:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.intermap.com/hubfs/images/Property.jpg) ](https://www.intermap.com/risks-of-hazard-blog/feds-underestimating-flood-risk-and-the-strangeness-index-march-14-2018) PropertyCasualty360 published an [article](https://www.propertycasualty360.com/2017/12/13/does-federal-flood-data-underestimate-risk/?slreturn=20180212095823) in December, 2017 that begins with this eye-opening quote, “Research conducted by a team of U.S. and U.K. scientists and engineers suggests that U.S. federal flood maps underestimate the number of Americans at risk for flood by more than 27 million people.” A study from [IOPscience](http://iopscience.iop.org/article/10.1088/1748-9326/aaac65/meta) gave a more onerous estimate of 41 million Americans living on the 100 year floodplain. And, with a value of $5.5 trillion! In contrast, current FEMA estimates are around 13 million Americans. At the [2017 American Geophysical Union Meeting](https://fallmeeting.agu.org/2017/) Dec. 11-15 in New Orleans, scientists presented a ‘redrawn’ flood map of the U.S. (coastal areas excluded) simulating every river catchment area. Intermap’s InsitePro flood mapping tool uses a mathematical tree structure called the [Strahler Number](https://en.wikipedia.org/wiki/Strahler_number) to predict risk. It is a numbering system that correlates a numeric value to stream size from small tributaries to large riverways. The entire algorithm then uses our proprietary 5m seamless & contiguous bare earth elevation dataset to generate location specific flood risk scores. [Read More](https://www.intermap.com/risks-of-hazard-blog/feds-underestimating-flood-risk-and-the-strangeness-index-march-14-2018) 1 Comment [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/feds-underestimating-flood-risk-and-the-strangeness-index-march-14-2018#comments-listing) Topics: [Floods](https://www.intermap.com/risks-of-hazard-blog/topic/floods), [Flood Insurance](https://www.intermap.com/risks-of-hazard-blog/topic/flood-insurance), [Flood Risk](https://www.intermap.com/risks-of-hazard-blog/topic/flood-risk), [Risk Scoring](https://www.intermap.com/risks-of-hazard-blog/topic/risk-scoring), [FEMA](https://www.intermap.com/risks-of-hazard-blog/topic/fema) ## [The Protection Gap Quantified](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-protection-gap-quantified-0-1) Posted by [Ivan P. Maddox](https://www.intermap.com/risks-of-hazard-blog/author/ivan-p-maddox) on Feb 13, 2018 3:43:19 PM - [Tweet](https://twitter.com/share) [![](https://www.intermap.com/hubfs/2017%20Houston%20Highway%20Flooded.jpg) ](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-protection-gap-quantified-0-1) Last week Insurance Journal ran [a recap of the P/C Joint Industry Forum](https://www.insurancejournal.com/news/national/2018/02/07/479797.htm), held last month in NYC. If you underwrite flood or wildfire, go read it now and then come back here for a bit of commentary. If you are a blogger, chances are you have already read it. [Read More](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-protection-gap-quantified-0-1) 0 Comments [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-protection-gap-quantified-0-1#comments-listing) Topics: [Flood Insurance](https://www.intermap.com/risks-of-hazard-blog/topic/flood-insurance), [Flood Risk](https://www.intermap.com/risks-of-hazard-blog/topic/flood-risk), [Insurance Protection Gap](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-protection-gap), [FEMA](https://www.intermap.com/risks-of-hazard-blog/topic/fema) [All posts](https://www.intermap.com/risks-of-hazard-blog/all) [Next](https://www.intermap.com/risks-of-hazard-blog/topic/flood-risk/page/2) ## [The Risks of Hazard Blog](https://www.intermap.com/risks-of-hazard-blog)   [![rss-feed](https://www.intermap.com/hs-fs/hub/395294/file-2218415117-png/images/rss-feed.png?width=27&name=rss-feed.png)](https://www.intermap.com/risks-of-hazard-blog/rss.xml) Welcome to The Risks of Hazard, brought to you by Intermap Technologies®. From the latest industry news and trends, to insight from thought leaders around the globe, stay tuned for a variety of content aimed at helping you better understand the role of location-based intelligence in the world of insurance underwriting and risk assessment. To see how Intermap delivers analytics tailored to your underwriting, visit our [InsitePro](https://www.intermap.com/software/insitepro) page. ### Subscribe to the Risks of Hazard blog! ### Posts by Topic - [Flood Insurance (64)](https://www.intermap.com/risks-of-hazard-blog/topic/flood-insurance) - [Insurance Underwriting (62)](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-underwriting) - [Flood Risk (43)](https://www.intermap.com/risks-of-hazard-blog/topic/flood-risk) - [Risk Management (42)](https://www.intermap.com/risks-of-hazard-blog/topic/risk-management) - [Insurance Protection Gap (32)](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-protection-gap) - [Private Flood (29)](https://www.intermap.com/risks-of-hazard-blog/topic/private-flood) - [Flood Modeling (28)](https://www.intermap.com/risks-of-hazard-blog/topic/flood-modeling) - [Property Insurance (26)](https://www.intermap.com/risks-of-hazard-blog/topic/property-insurance) - [Natural Hazard Risk (25)](https://www.intermap.com/risks-of-hazard-blog/topic/natural-hazard-risk) - [Natural Catastrophe (24)](https://www.intermap.com/risks-of-hazard-blog/topic/natural-catastrophe) - [Floods (23)](https://www.intermap.com/risks-of-hazard-blog/topic/floods) - [InsitePro (21)](https://www.intermap.com/risks-of-hazard-blog/topic/insitepro) - [Risk Scoring (17)](https://www.intermap.com/risks-of-hazard-blog/topic/risk-scoring) - [Wildfire (17)](https://www.intermap.com/risks-of-hazard-blog/topic/wildfire) - [Insurance Software (16)](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-software) - [Insurance Technology (16)](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-technology) - [Effective Underwriting (15)](https://www.intermap.com/risks-of-hazard-blog/topic/effective-underwriting) - [Earthquake (12)](https://www.intermap.com/risks-of-hazard-blog/topic/earthquake) - [Other Risk Models (11)](https://www.intermap.com/risks-of-hazard-blog/topic/other-risk-models) - [NFIP (10)](https://www.intermap.com/risks-of-hazard-blog/topic/nfip) ©2026 Intermap Technologies®. 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