HazardHub

Primary hazards from natural phenomena and severe weather events

HazardHub delivers comprehensive natural hazard assessments using advanced meteorological data, historical event analysis, and climate insights. These detailed risk scores enable insurers to assess exposure across multiple perils with precision, supporting portfolio management and risk selection and pricing precision or by-peril rating.

HazardHub’s wildfire risk solutions help insurers meet California’s Wildfire Regulation 2644.9 by delivering more precise, actionable property-level insights. Enhanced Wildfire Hazard Modeling provides 7 times more geographic granularity using 26-acre hexagons to better pinpoint local risk. Fire Suppression Score uses a validated loss model to differentiate protection class and enable more refined pricing decisions. Exclusive datasets of over 54,000 verified fire stations (with drive-time metrics) and the largest U.S. fire hydrant database support accurate risk assessment and underwriting. Together, these tools empower insurers to price fairly, manage exposure confidently, and strengthen resilience against growing wildfire threats.

HazardHub’s wind risk solutions provide precise scoring and historical data across multiple wind-related hazards, strengthening underwriting and pricing decisions. Analyze wind speed, barometric pressure, and the storm history of hurricanes to assess localized risk. Tornado risk scoring includes past tornado paths, impact radius, and damage levels, helping carriers better understand unpredictable, high-severity events. Hail risk is evaluated using historical hail data and proximity-based damage modeling, a key factor in roof replacement costs. Windstorm (derecho) risk is scored using event history and wind ring parameters, allowing insurers to evaluate exposure to one of the most common, and costly, wind threats.

Data includes:

• Enhanced wildfire risk 
• Enhanced hurricane risk 
• Enhanced wind, hail, tornado, and lightning risk
• Storm surge
• Earthquake risk and fault zone proximity
• Drought risk and frequency index
• Flood Risk Federal Emergency Management Agency (FEMA) grades
• HazardHub Flood 
• Weather and climate conditions
• Tsunami risk 
• Lava flow
• Landslide and mudslide susceptibility
• Snow load and ice dam index
• Frozen pipe index
• Wind-borne debris zones
• Special wind regions
• Mold index
• Hardiness 
• Wind pool risk
• Sea level rise
• Volcano proximity

Location-based risks and environmental conditions

HazardHub leverages high-resolution geospatial data and terrain analysis to assess property-specific environmental exposures. These location intelligence capabilities support risk-based pricing and help insurers identify emerging risks from changing environmental conditions and development patterns. Data includes:

• Topographical considerations (slope, aspect, elevation)
• Sinkhole risk and susceptibility
• Mine subsidence risk
• Radon exposure
• Distance to coast

Risks related to public safety infrastructure and emergency response capability

HazardHub maintains verified databases of emergency services infrastructure, providing real-time proximity analysis and response capability scoring. This data supports risk mitigation credits and helps insurers understand protective safeguards that reduce loss severity in covered events. Data includes:

• American Association of Insurance Services (AAIS) Fire Protection Class
• Fire suppression 
• Fire station proximity and response times
• Fire hydrant access 
• California fire
• Wildfire mitigation communities
• Water type
• Police station proximity
• Medical facilities (hospitals, urgent care)
• Airport noise

Risks from pollution, contamination, and hazardous materials

HazardHub integrates federal and state environmental databases to identify contamination exposure and hazardous material risks. These assessments help insurers evaluate potential liability exposures and support environmental risk underwriting for commercial and residential properties. Data includes:

• Superfund and brownfield sites
• Underground storage tank (UST) risk
• Nuclear site proximity
• Toxic release facilities
• Polyfluoroalkyl substances (PFAs)
• Asbestos sources
• Clandestine Lab 

Human-related risks including crime and regulatory licensing factors

HazardHub analyzes socioeconomic indicators and regulatory environments to assess human-related risks that impact property exposure. These insights support community risk scoring and help insurers understand correlations between social factors and loss patterns across different market segments. Data includes:

• Crime 
• Drug and alcohol death rates
• Gun dealer 
• Liquor license 
• Premium tax 
• Municipal boundary  
• Urbanicity
• Census block 

Property valuation and reconstruction cost modeling

HazardHub provides replacement cost estimation using current material costs, labor rates, and construction specifications. These valuations support accurate coverage limits and help insurers avoid underinsurance issues while ensuring competitive pricing in dynamic construction markets. Data includes:

• Replacement cost calculations
• Cost per square foot (sq. ft.)
• Architect fees and professional services
• House materials and labor costs
• Debris removal costs
• Overhead and market adjustments
• High, med, low range for commercial property estimates

In addition to the estimated costs, you can view and also provide inputs for the key data that drive the estimates.

• Structure type
• Architectural style
• Construction quality
• Construction type 
• Primary exterior
• Roof covering
• Year built
• Square footage

Building permits and property modification tracking

HazardHub provides access to a nationwide permit database to track property improvements, additions, and renovations that affect risk exposure and replacement costs. This data enables dynamic policy adjustments and helps insurers identify coverage gaps or valuation changes throughout the policy period. The data can also be used both a) as an independent verification point and b) in a renewal workflow alongside the midterm triage. Data includes:

• Permit history and current applications
• Total valuation and project scope
• Permit type and classification
• Work description and specifications
• Applicant and owner information
• Contractor and professional details

Detailed property attributes and structural specifications

HazardHub delivers comprehensive property intelligence through verified MLS (Multiple Listing Service) and assessor data. These detailed characteristics enable precise risk assessment and support usage-based underwriting models that align coverage with actual property features and occupancy patterns. Data includes:

• Owner information and property use classification
• Year built and construction age analysis
• Square footage and structural dimensions
• Exterior construction and building materials
• Interior features and fireplace details
• Garage capacity and vehicle storage
• Heating, ventilation, and air conditioning (HVAC) systems and mechanical equipment
• Roof type and covering materials
• Current property value (market value) and assessment data
• Building codes and zoning