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Deep water

Complex and unpredictable, flood hazards have typically been insured only by state or federal agencies and a select few private companies. Today, advanced modeling and data innovation are enabling the emergence of more options for those at risk.

Reducing risk

A growing challenge

As climate change increases flood risk, market response becomes ever more urgent. Combining property insurance ratemaking, advanced underwriting technologies, and pricing and profitability analysis, today’s flood insurance market is advancing toward a brighter future.


Related Milliman products

Modern flood insurance program


Milliman Bungalow is a private flood insurance plan that includes advisory loss costs, risk classification rating factors, and rating rules.

Geographic rating insights


Milliman PinPoint delivers relevant geographic rating insights to your system at the point of decision through a simple API.

Risk analytics and reporting
Market exposure & risk analytics

Market Baskets

Market Baskets are portfolios of hypothetical risks with realistic distributions of characteristics used for property and flood insurance pricing.

Premium comparison platform
Premium comparison platform


Identify new market sectors, pinpoint adverse selection, and make better pricing decisions with a web-based premium comparison tool.

Pension administration and communication
Property & casualty advisory services


Milliman Appleseed is an advisory organization licensed to submit loss costs, rating factors, and risk scores with state insurance regulators across the U.S.


Related Milliman services

Catastrophe reserving and loss reserve verification

Complex risk assessment

Enterprise risk management

Flood insurance

Predictive analytics solutions

We’re here to help

Ask the tough questions. We’re ready for them.

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