Eliminate flood risk uncertainty in underwriting
Uninsured flood losses and traditional zone maps compromise portfolio profitability. Insurers face widening protection gaps and pricing inaccuracies, leaving commercial and residential property portfolios vulnerable to unpriced catastrophic water damage.
Master flood risk assessment with high-fidelity scoring
Price adequacy and customer transparency are critical to flood insurance profitability. Cotality Flood Risk Scores bridge advanced engineering analytics with actionable, property-level insights, enabling underwriters to explain exposure clearly and price risk accurately.
Transform underwriting decisions across five key drivers
Cotality Flood risk score
Pinpoint property flood hazards with a dynamic Risk Score. Integrate FEMA flood zones, 1-meter elevation, and hydrology data for total risk management.
Flash flood risk score
Gauge flash flood exposure using an accurate Risk Score. Fill riverine and coastal gaps with 10-meter granular data on rainfall, hydrology, and geology to protect portfolios.
Coastal distance
Measure coastal proximity using an accurate Risk Score. Track mainland distance to oceans and gulfs with county-level data across 48 contiguous US states.
Coastal storm risk score
Evaluate hurricane storm surge risk with a precise Risk Score. Protect coastal properties and portfolios across the Atlantic, Gulf, and inland waterways.
First floor height
Assess flood vulnerability with an accurate Risk Score based on structural elevation data, including first-floor height and adjacent grade levels.
Sewer backup risk score
Identify property basement flooding and sewer exposure using a precise Risk Score. Mitigate rising water damage risks using proprietary geospatial data.
Empower underwriters with seamless risk integration
Transform underwriting workflows by embedding Cotality Flood Risk Scores directly into your underwriting engine via API or cloud platform. By replacing outdated zone lookups with continuous, probabilistic hazard scores, property insurance carriers can eliminate basis risk, reduce protection gaps, and rapidly execute risk re-analysis across entire commercial and residential portfolios. Drive profitable growth with instant, actionable risk intelligence at the point of decision.
FAQ
How does Cotality Flood Risk Score work?
What key risk drivers does Cotality assess?
Why assess flood risk outside FEMA SFHA zones?
How granular is Cotality’s flood risk data?
How do insurers integrate Cotality Flood Risk?
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