HazardHub (a Guidewire offering)
AI-powered geospatial hazard data and property risk analytics for the insurance industry
Overview
HazardHub is a property risk data and analytics company founded in 2016 that curates, analyzes, and delivers geospatial hazard data and property-level risk insights to the property and casualty insurance industry. The platform synthesizes over 1,400 data sources and more than 1,250 geospatial risk factors to provide peril scores and property risk grades for any U.S. address, with expanding coverage in Canada and 19 additional countries.
In August 2021, Guidewire Software acquired HazardHub for USD 52.8 million. HazardHub now operates as a core component of the Guidewire Analytics product suite, natively integrated into Guidewire PolicyCenter and InsuranceNow. Over 110 organizations -- including insurers, reinsurers, brokers, MGAs, and insurtechs -- rely on HazardHub for underwriting, pricing, and risk management decisions.
The platform delivers risk scores and supporting data in under 2 seconds via a RESTful API, using a patented approach to on-demand geospatial data retrieval benchmarked against historical claims data. Documented customer outcomes include a 2-point loss ratio improvement, 1.4-point expense ratio reduction, and 7% premium growth increase.
Products & Services
HazardHub Risk Data API
Real-time access to 50+ peril scores and over 1,250 risk factors for any U.S. address, returning results in under 2 seconds via RESTful API.
Key Features
- 50+ natural and man-made peril scores per address
- Sub-2-second response time
- Coverage expanding to Canada and 19 additional countries
Target Users: Carriers, MGAs, reinsurers, insurtechs requiring property-level risk data at point of underwriting
Natural Peril Scores
Risk grades for wildfire, flood, wind, hail, tornado, hurricane, earthquake, and storm surge hazards derived from 1,400+ data sources and proprietary machine learning models.
Key Features
- National wildfire and flood risk maps at state and local level
- Hurricane and winter weather risk data
- Machine learning models validated against historical claims data
Target Users: P&C underwriters, CAT modelers, reinsurers
Environmental Hazard Data
Comprehensive environmental risk data including sinkholes, radon, landslide risk, soil stability, brownfields, and climate risk metrics.
Key Features
- Subsidence and soil stability scoring
- Radon risk by address
- Climate trend overlays
Target Users: Commercial underwriters, specialty insurers
Man-Made Hazard Data
Crime indices, hazardous materials sites, underground storage tanks, and Superfund location data for commercial and specialty underwriting.
Key Features
- Proximity to Superfund sites and USTs
- Crime index scoring
- Environmental liability exposure indicators
Target Users: Commercial property underwriters, E&S carriers
Property Details
Construction attributes including type, roof material, year built, square footage, and replacement cost estimates drawn from government and proprietary databases.
Key Features
- Roof material and age data
- Construction type classification
- Replacement cost estimation
Target Users: Personal and commercial lines underwriters, claims adjusters
Guidewire Native Integration
Deep integration within Guidewire PolicyCenter, InsuranceNow, and the Guidewire Analytics platform, enabling carriers to access hazard data within existing workflows.
Key Features
- Native policy workflow integration
- Guidewire Marketplace availability
- Guidewire Cloud (AWS) infrastructure
Target Users: Guidewire PolicyCenter and InsuranceNow customers
At a Glance
- Founded
- 2016
- Headquarters
- San Diego, California, USA
- Employees
- 11-50
- Funding
- Acquired
Category & Focus
- Category
- Data & Analytics
- Subcategories
- Property Risk Scoring Geospatial Hazard Data Peril Analytics Climate Risk
- Insurance Verticals
- P&C Personal P&C Commercial Specialty/E&S Reinsurance
- Target Customers
- Carriers, MGAs/MGUs, Reinsurers, Brokers
Customers
- Core Specialty
- Church Mutual Insurance
- Orion180
- KIN Insurance
- Swiss Re
- The Hanover Insurance Group
- Heritage Insurance
- Mountain West Farm Bureau
- Heffernan Insurance Brokers
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Last updated: 2026-05-12