---
title: Understanding Flood Risk
---

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# Understanding Flood Risk

**Efficient flood risk analytics can lead to increased profitability**

Flood risk is a unique peril to underwrite because it behaves so differently than other perils, including other natural catastrophe perils. There are three distinct types of flood risk, and everywhere has at least a little risk of flooding (not just beside rivers and the ocean). These characteristics demand flood underwriting software that can:

- Assess flood risk at an address level
- Evaluate different types of flood, uing multiple datasets and models.
- Deliver risk segmentation and rating information that differentiates the varying risks from the riverside to the high country.
- Apply a company’s view of risk in the risk assessment to ensure the right types of risk are underwritten

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Effective and efficient flood risk assessment analytics lead to increased profitability by ensuring greater efficiency and a portfolio full of risks that are priced appropriately based on the risk. Analytics that are tuned to match a specific view of risk ensure smoother accumulation and reinsurance across the company.

**Want to learn more about flood?**  
Click here for a crash course on three common types of flood to help you better assess your risk.

[![Click Here](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4098722/12ae9448-0037-45e9-bc79-1cbdd871df74.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4098722/12ae9448-0037-45e9-bc79-1cbdd871df74)

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Dispelling **three nat cat underwriting myths** can transform the way you write insurance.

Claim Guide

[![flood-cta](https://www.goinsitepro.com/hubfs/insitepro_2018/images/flood-cta.svg) InsitePro® delivers **flood analytics** based on best available geospatial information. Learn About Flood](https://www.goinsitepro.com/take-a-sneak-peek-at-risk-scoring)

[![play-icon](https://www.goinsitepro.com/hs-fs/hubfs/insitepro_2018/images/play-icon.png?width=56&height=56&name=play-icon.png) See how InsitePro®'s custom nat cat risk assessment analytics can **improve your underwriting.** Request a Demo](https://www.goinsitepro.com/cta-4.1)

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