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The need for flood insurance solutions is higher than ever. Milliman has the data, tools, and expertise to help insurers navigate this evolving market.
Climate change, development, and aging infrastructure are increasing flood risk nationwide, on the coasts and off, and consumers are taking notice. Until recently, many carriers had considered flood risk to be uninsurable—but Milliman is changing that. Our unique expertise, vast data resources, and advanced modeling techniques are opening up new frontiers in private flood insurance and can help you meet the growing consumer demand.
Milliman can meet you wherever you are, and help you address the full product lifecycle for flood insurance, including:
Milliman recently helped Wright National Flood Insurance Services (“Wright Flood”) create a successful private flood insurance program and address this protection gap.
Concurrent with the recent developments in flood insurance modeling and data availability, our consultants provide sophisticated flood product solutions for private insurers.
Quickly and cost-effectively build a profitable flood business with a complete flood insurance rating solution.
Add relevant geographic rating insights to your system at the point of decision.
We employ competitive analysis to support pricing and profitability decisions. Our team has performed in-depth statutory research and feasibility studies for insurers and reinsurers considering entering the flood insurance market.
Get a balanced, accurate view of any market. Our actuarial and geographic information system (GIS) experts have assembled rich data tailored to the needs of property insurers.
Our experts are experienced in assessing and navigating the regulatory landscape. For admitted carriers, the ability to manage a profitable flood insurance program depends on state regulation, which varies widely and is changing rapidly.
Access pre-filed flood products through Milliman Appleseed, helping you get your custom product out into the market faster, cheaper, and with less regulatory risk.
As P&C insurers face a greater number of natural disasters with a warming planet, catastrophic models can help the industry better understand climate risk.
A new pricing approach called Risk Rating 2.0 harnesses catastrophe models to help better understand flood risk.
The U.S. residential real estate market likely has not fully accounted for the financial costs of flooding, with few homeowners having flood insurance.
Utilizing available data, Milliman has developed a take-up rate model that can help private insurers better understand how to test their products, acquire new business, and grow their written premium.
Nancy Watkins speaks with Jim Albert about flood insurance’s coverage gap, the adversarial position of the insurance industry, the wind-water conflict in claims, and climate change.
How are leading investors factoring market-level climate risk into decision-making?
The visibility of climate’s impact on property hazard is increasingly leading individuals and their chosen leaders to ask: how might an increase in hazard affect the desirability of living in various communities, and…
This report provides estimates of the insured and uninsured flood exposure of single-family residences in the contiguous United States from both storm surge and inland flooding.
In recent years, the private flood sector has grown rapidly and will likely continue to grow until the new market significantly closes the U.S. flood “protection gap.”
This episode of Critical Point discusses the future of flood insurance and what protecting a home from flood might look like a few decades from now.
Ask the tough questions. We’re ready for them.