--- title: The Risks of Hazard Blog | Intermap | Insurance Protection Gap description: Insurance Protection Gap | 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) ## [Plug The Leak: Reduce Underwriting Leakage With Better Data](https://www.intermap.com/risks-of-hazard-blog/mind-the-gap-reduce-underwriting-leakage-with-better-data) Posted by [Ivan P. Maddox](https://www.intermap.com/risks-of-hazard-blog/author/ivan-p-maddox) on Jun 19, 2018 4:03:34 PM - [Tweet](https://twitter.com/share) [![](https://www.intermap.com/hs-fs/hub/395294/file-2351590928-jpg/Blog/Athenium_Photo.jpg) ](https://www.intermap.com/risks-of-hazard-blog/mind-the-gap-reduce-underwriting-leakage-with-better-data) Not only is insurance an industry that is based on a general inability to predict what is going to happen, it is a hyper-competitive industry in which the winners are those who can best predict the unknowable…or at least be less wrong than their competition. Insurance underwriting is the actual process of pricing what is unknowable, and is necessarily performed with rigorous processes underpinned with vast amounts of data. However, underwriting is never perfect, and the gap between actual underwriting and perfection is called ***underwriting leakage*.** [Read More](https://www.intermap.com/risks-of-hazard-blog/mind-the-gap-reduce-underwriting-leakage-with-better-data) 0 Comments [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/mind-the-gap-reduce-underwriting-leakage-with-better-data#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), [Insurance Protection Gap](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-protection-gap) ## [The Importance of Good Underwriting](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-importance-of-good-underwriting-0-1) Posted by [Ivan P. Maddox](https://www.intermap.com/risks-of-hazard-blog/author/ivan-p-maddox) on Feb 20, 2018 3:59:54 PM - [Tweet](https://twitter.com/share) [![](https://www.intermap.com/hubfs/Blog/underwriting_with_cat_risk.jpg) ](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-importance-of-good-underwriting-0-1) The past year was a tough one for US cat losses, especially wildfire and flood. [Last week](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-protection-gap-quantified-0-1) we explored just how bad it was, but also just how much opportunity does exist in the US protection gap. The secret to unlocking that opportunity, without undue overexposure, is crisp underwriting. [Read More](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-importance-of-good-underwriting-0-1) 0 Comments [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/2018/02/the-importance-of-good-underwriting-0-1#comments-listing) Topics: [Insurance Protection Gap](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-protection-gap), [Effective Underwriting](https://www.intermap.com/risks-of-hazard-blog/topic/effective-underwriting), [Perils](https://www.intermap.com/risks-of-hazard-blog/topic/perils) ## [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) ## [Top 3 Blogs of Q4 2017](https://www.intermap.com/risks-of-hazard-blog/2017/12/top-3-blogs-of-q4-2017-0-1) Posted by [Ivan Maddox](https://www.intermap.com/risks-of-hazard-blog/author/ivan-maddox) on Dec 19, 2017 4:11:48 PM - [Tweet](https://twitter.com/share) [![](https://www.intermap.com/hubfs/Top3blogs_17Q4.png) ](https://www.intermap.com/risks-of-hazard-blog/2017/12/top-3-blogs-of-q4-2017-0-1) The Risks of Hazard is cruising into the holiday season like all blogs, by piggy-backing on old work. And there is no better way to recycle blogs than to do Top 3 lists! Without any ado at all, here are the top 3 blogs from the last three months. [Read More](https://www.intermap.com/risks-of-hazard-blog/2017/12/top-3-blogs-of-q4-2017-0-1) 0 Comments [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/2017/12/top-3-blogs-of-q4-2017-0-1#comments-listing) Topics: [Flood Insurance](https://www.intermap.com/risks-of-hazard-blog/topic/flood-insurance), [Insurance Protection Gap](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-protection-gap), [NFIP](https://www.intermap.com/risks-of-hazard-blog/topic/nfip) ## [NFIP Reform Passes the House: What Insurers Need to Know](https://www.intermap.com/risks-of-hazard-blog/2017/11/nfip-reform-passes-the-house-what-insurers-need-to-know-0-1) Posted by [Devin Ward](https://www.intermap.com/risks-of-hazard-blog/author/devin-ward) on Nov 21, 2017 2:57:06 PM - [Tweet](https://twitter.com/share) [![](https://www.intermap.com/hubfs/social-suggested-images/Colorado_floods.jpg) ](https://www.intermap.com/risks-of-hazard-blog/2017/11/nfip-reform-passes-the-house-what-insurers-need-to-know-0-1) We have conglomerated some news highlights for you today, but first, Happy Thanksgiving! [Read More](https://www.intermap.com/risks-of-hazard-blog/2017/11/nfip-reform-passes-the-house-what-insurers-need-to-know-0-1) 0 Comments [Click here to read/write comments](https://www.intermap.com/risks-of-hazard-blog/2017/11/nfip-reform-passes-the-house-what-insurers-need-to-know-0-1#comments-listing) Topics: [Flood Insurance](https://www.intermap.com/risks-of-hazard-blog/topic/flood-insurance), [Insurance Protection Gap](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-protection-gap), [NFIP](https://www.intermap.com/risks-of-hazard-blog/topic/nfip) [All posts](https://www.intermap.com/risks-of-hazard-blog/all) [Next](https://www.intermap.com/risks-of-hazard-blog/topic/insurance-protection-gap/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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