HazardHub

What HazardHub does

HazardHub is a geospatial property risk data platform that provides AI-driven peril risk scores for property and casualty (P&C) insurance underwriting. Founded in 2016 in San Diego, the company is now a wholly-owned product subsidiary of Guidewire Software, Inc. (NYSE: GWRE), the dominant core systems vendor for P&C insurers. Its core technology is an API-first platform that returns 50+ peril risk scores in under two seconds from a single API call, drawing on 1,200+ address-level risk factors across fire, weather, water, earth, manmade hazards, property characteristics, replacement costs, and permits.

The product portfolio includes a Property Risk API as the core offering, with specialized modules Wildfire 3.0 (proprietary ML-driven wildfire model that extends beyond US Forest Service data), Flood Score (address-level flood scoring beyond FEMA maps), Crime Score, and SurgeMAX (storm surge vulnerability). Adjacent API modules — Replacement Costs API, Permits API, and Enhanced Property Characteristics API — extend the platform into rebuild-cost estimation, permit verification, and verified county-assessor structural data. The underlying architecture combines proprietary machine learning models with proprietary data sources (county assessor records, historical wildfire perimeters, permit histories) to deliver predictive risk grades at the address level for underwriting, pricing, portfolio management, and lead scoring use cases.

HazardHub monetizes through subscription-based API data licensing and is distributed via three motions: enterprise field sales through Guidewire's direct sales organization (serving named customers including Swiss Re, Hanover, Arch, Orion180, Tuscarora Wayne, KIN Insurance, Skyward Specialty, TypTap, Core Specialty, Church Mutual, Heritage, Pacific Specialty, Brown & Brown, and Mountain West Farm Bureau), the Guidewire PartnerConnect reseller and Insurtech Vanguards channel, and a self-serve free trial for mid-market evaluation. The product is listed on the Guidewire Marketplace alongside other Analytics products. Revenue is bundled within Guidewire's Analytics portfolio and is not separately disclosed.

Name

HazardHub

Legal name

HazardHub (product of Guidewire Software, Inc.)

Website

https://hazardhub.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

HazardHub is an AI-driven geospatial risk data platform that delivers 50+ address-level peril risk scores via a single API to property and casualty insurers for underwriting, pricing, and portfolio risk management. It operates as a wholly-owned product subsidiary of Guidewire Software (NYSE: GWRE).

Ownership category

akta.pro rank

Product category

Insurance Property Risk Analytics

akta.pro primary industry

Climate Hazard & Catastrophe Modeling (Flood, Wind, Wildfire, Heat, Sea-Level Rise) (EUABALAA)

Keywords

• Property risk analytics
• Insurance underwriting data
• Peril risk scores
• Geospatial risk data
• Hazard intelligence

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. API Data Licensing: Subscription-based access to property risk data via API. Insurers and insurance carriers access 50+ peril risk scores through a single API call. Revenue is generated through recurring subscription fees based on usage volume or flat licensing rates for API access.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

HazardHub is an AI-driven property risk data platform that delivers 50+ peril risk scores for any U.S. address in a single API call returning in under two seconds. It covers fire, weather, water, earth, and manmade hazards along with property characteristics, replacement costs, and permits data for property insurance underwriting. The platform is consumed by insurance carriers, reinsurers, and underwriting teams through REST APIs and integration with Guidewire's core insurance software.

Product overview

HazardHub is a property risk data platform under Guidewire Analytics that provides AI-driven peril risk scores, real-time geospatial data, and underwriting recommendations for property insurance. The platform offers a unified core product (HazardHub) along with specialized sub-modules for specific perils (Fire Risk/Wildfire 3.0, Flood Risk) and API products for Replacement Costs, Permits, and Enhanced Property Characteristics. These components work together to enable property underwriters to access 50+ peril risk scores via a single API call, supporting use cases across underwriting decisions, pricing, portfolio management, inspections, and lead scoring.

Differentiator

Problem solved

Functional benefit

Brands

• Wildfire 3.0: Proprietary wildfire risk model that combines proprietary data and advanced machine learning techniques for detailed wildfire exposure analysis.
• HazardHub Property Risk API
• HazardHub Replacement Costs API
• HazardHub Enhanced Property Characteristics API

Products and services

• HazardHub Property Risk Data Platform AI-driven property risk assessment platform that delivers 50+ peril risk scores via a single API for U.S. property and casualty insurance carriers, covering fire, weather, water, earth, and manmade hazards along with property characteristics, replacement costs, and permits.
• HazardHub Fire Risk (Wildfire 3.0) Proprietary wildfire risk model that uses advanced machine learning and proprietary data beyond standard US Forest Service data to assess address-level wildfire exposure and protection for property insurance underwriting.
• HazardHub Flood Risk Proprietary address-level flood risk scoring product that goes beyond FEMA flood maps to provide a 360-degree view of water risk including flooding, storm surge, and interior water damage.
• HazardHub Property Risk API REST API product that returns 50+ peril risk scores (wildfire, wind, hail, flood, crime, manmade hazards, property characteristics, replacement costs, permits) for any U.S. address in a single call under two seconds, consumed directly by insurer underwriting workflows.
• HazardHub Replacement Costs API API module for estimating property rebuild costs using local cost data, delivering total replacement cost value, cost per square foot, debris removal costs, materials and labor split, contractor overhead and profit to support accurate Insured-to-Value calculations.
• HazardHub Permits API API module providing permit history data including work descriptions, valuations, permit types, and contractor information to verify property details and flag unapproved additions for insurance underwriting.
• HazardHub Enhanced Property Characteristics API API module providing verified county assessor data including year built, square footage, construction type, roof geometry, foundation type, and HVAC system details for property underwriting.

Quantifiable outcome

• 2 point loss ratio improvement using predictive scores to filter out bad risks
• +4 more outcomes

Named customers16 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• Swiss RecoreChannel Partner/ Reseller/ DistributorSwiss Re appears as a partner/customer in HazardHub customer logos. Swiss Re is a major global reinsurance company that may distribute or recommend HazardHub data to its insurance carrier clients as part of risk assessment and underwriting services.
• Insurance Information InstituteflagshipStrategic or Co-development PartnerHazardHub released a joint report with the Insurance Information Institute analyzing California's property insurance market. The partnership analyzed wildfire risk, regulatory constraints from Proposition 103, and demonstrated how HazardHub risk data can address market challenges. This is a flagship research partnership establishing credibility in the insurance industry.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• CoreLogic (ICE Mortgage & Property Data): CoreLogic is a leading property data and analytics provider serving the same insurance underwriting workflow as HazardHub, with deep parcel-level property data, hazard scores, and replacement cost estimates used by major P&C carriers. The two compete directly for property risk data budget at insurance carriers.
• Verisk Analytics: Verisk is a dominant insurance analytics platform offering property risk data, catastrophe modeling, and underwriting solutions to P&C insurers globally. Verisk's Property Risk and Catastrophe solutions directly overlap with HazardHub's peril scoring and wildfire/flood modeling capabilities.
• Cape Analytics: Cape Analytics applies computer vision and geospatial AI to derive property attributes and risk insights at the parcel level for property insurance carriers. It competes with HazardHub on AI-driven property characteristics, roof condition data, and underwriting risk scoring.
• Arturo: Arturo is a property intelligence platform using aerial imagery and AI to deliver building characteristics, condition, and risk analytics to insurance carriers. It overlaps with HazardHub's Enhanced Property Characteristics API and peril scoring use cases for underwriting.
• Betterview: Betterview is a property analytics and insurtech platform combining aerial imagery, computer vision, and property data for underwriting and risk assessment. It directly competes with HazardHub for property risk analytics budgets at insurance carriers.

Broad incumbents

• LexisNexis Risk Solutions: LexisNexis Risk Solutions is a broad incumbent provider of insurance data and analytics, offering property, claims, and underwriting intelligence to carriers. It overlaps with HazardHub's peril scoring and property data services as part of a much wider analytics portfolio.
• Guidewire Cyence: Cyence is Guidewire's own cyber and economic risk analytics product, sitting alongside HazardHub in the parent company's Analytics portfolio. It is a sibling rather than direct competitor but operates in the same risk analytics category and competes for internal Guidewire investment and customer wallet.
• ICE Mortgage Technology: ICE Mortgage Technology (parent of CoreLogic/Black Knight) provides property data and analytics across the mortgage and insurance ecosystems, with deep parcel and hazard data that competes with HazardHub's property risk platform for carrier attention.

Emerging players

• Zesty.ai: Zesty.ai applies AI and aerial imagery to wildfire and climate risk scoring for property insurers, directly overlapping with HazardHub's Wildfire 3.0 offering. As an emerging insurtech, it competes on next-generation climate risk analytics for high-hazard regions.
• Regrid: Regrid provides nationwide parcel data and property intelligence used by real estate, insurance, and government customers. It supplies underlying property attribute data similar to HazardHub's Enhanced Property Characteristics API and could serve as a complementary or alternative data source for carriers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Guidewire_PandC
• Facebookfacebook.com/guidewiresoftware
• LinkedInlinkedin.com/company/hazardhub

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HazardHub