What’s your flood story?Meet Jacqueline. She has a mortgage. She bought a house. It’s at risk for fl ood.

Better Manage Your Flood Risk with CoreLogic® Flood Solutions

Flood affects more than just what days you get to work from home and whether you should purchase rain boots. Everything from where and how a home is constructed, to whether a mortgage company requires fl ood insurance, to the fl ood insurance coverage that is purchased, fl ood risk affects each of us. Between where people (like Jacqueline) live, and build, and the decisions they make, it’s essential that you have the granular data necessary to make the right choices.

CoreLogic® has long been a leader in assessing fl ood risk, covering everything from fl ood determinations for the mortgage industry, to underwriting portfolio risk and fl ood risk assessments for the insurance industry, to catastrophic modeling for capital markets, and beyond.

Our granular data and powerful technology create a strong and reliable foundation for everything to rest on—from the precision of our PxPoint™ geocoding data to the science and complexity of our risk assessments and models. Our parcel and building footprint datasets are the backbone upon which our solutions rely, and our comprehensive reconstruction cost value data add depth and specifi city. The quality of our fl ood data helps provide you with the confi dence you need for your portfolio, your underwriting, and your customers.

This serves as an overview of the CoreLogic fl ood solutions.

So get your feet wet. This is just the surface.

Flood is the most pervasive and expansive of all natural perils.It’s also the most mismanaged and underinsured.

With an ever-changing regulatory environment and increased complexity in mortgage processing, it’s more important than ever to expect accuracy and dependability from your vendors. As one of the largest providers of Flood Zone Determinations to the lending industry, we pride ourselves in providing accurate, timely, and innovative fl ood solutions to banks, mortgage companies, servicers, credit unions, and other fi nancial institutions.

CoreLogic not only identifi es whether fl ood insurance is required on a loan for a property but also offers a comprehensive view of risk by evaluating possible and probable events and verifying current and post-event impacts. These risk solutions include scoring, data visualization, and other tools which collectively address the management of fl ood risk throughout the entire insurance process—underwriting, pricing, portfolio management, risk transfer, pre- and post-disaster, and reinsurance.

Jacqueline purchased a house off the coast of Texas. It’s a beautiful mid-century home with bay windows, a pool house, and a view. It’s also at risk for fl ood. As her lender, you’ve got her back.

With a Life of Loan Flood Determination, fl ood zone information about Jacqueline’s home is in the palm of your hand.

Our fl ood experts provide lauded Life of Loan Flood Determinations, helping to streamline the closing process,

as well as any post-closing processes such as transfer of service. This solution provides the fl ood zone information

necessary to determine whether fl ood insurance is available and required. As required by federal regulations,

every Flood Determination is based on the currently effective FEMA Flood Insurance Rate Map(FIRM). During the

servicing of the loan, with Next-Day Notifi cation, you will receive fl ood map updates by day one after the map

revision, providing time for your processes and removing uncertainty in your work stream.

Jacqueline’s property includes a pool house. Move through the origination process more effi ciently with Multiple Structure Indicator.

The CoreLogic Multiple Structure Indicator provides additional information you need to make insurance decisions

on your customer’s collateral. This solution provides information to help you move through the origination process

more effi ciently, including decisioning on detached structures, while letting your team focus on loan processing

and servicing. Improve the customer experience while increasing loan production and reducing risk.

Help Jacqueline be prepared for what’s to come. With Future Flood, know fl ood map changes in advance of the effective date.

Leverage the availability and timing of fl ood information to increase transparency and improve the experience

between you and your customers. FEMA releases pending fl ood map data after it has passed through various

appeals and regulatory processes. Once released, the information will become offi cial on the effective date.

With Future Flood, lenders and servicers can now leverage this information to help facilitate a positive customer

experience with the potential that your customer may make more informed decisions on fl ood insurance, which

may ultimately ensure your customer retains fl ood insurance or saves money over the life of the loan.

When disaster strikes, the pressure can mount quickly to provide support to Jacqueline in her time of need. Natural Hazard Risk solutions can be right there with you.

Lenders and servicers face incredible pressures following fl ooding disasters. Now, with the CoreLogic suite of

natural hazard risk products for the lending market, you will be prepared for and better able to respond to these

disasters. Our risk assessments, storm predictions, valuations, and damage estimates deliver the information and

support you need so that you may focus on the right geographic areas and customers.

You can also get in the know about fl ood zones.

Whether for policies written through the National Flood Insurance Program, or through a private program, the flood zone based on FEMA’s flood map can provide a necessary rating component. We can report to you not only the flood zone based on today’s effective flood map, but also provide historic flood map information necessary today for various rating guidelines as well as how future flood map changes may impact your portfolio. All of this can be provided accurately and, in many cases, instantaneously.

When it rains, it pours. Jacqueline’s home is in the mapped special fl ood hazard area, but it can seem challenging to identify to what degree her home is at risk. As her insurer, you can learn the risks.

With our intuitive U.S. Flood Risk Scores, now you can know what’s at stake.

CoreLogic technology evaluates fl ood impact by combining an integrated analysis of the fl ood area, fl ood elevation and watershed characteristics. Each score represents relative risk with intuitive numeric values on a 100-point scale and risk ratings from Very Low to Extreme.

► Flood Risk Score – Flood Risk Score adds new dimensions by capturing water surface elevation data and distance to the 100-year fl oodplain, levee and dam data, and extensive algorithms to calculate risk exposure.

► Flash Flood Risk Score – Flash Flood Risk Score provides fl ooding detail in areas where fl ooding resources are traditionally neglected including urban and unmapped areas, fi lling in fl ood risk assessment gaps where the previous focus was only on riverine and coastal fl ooding. We incorporate added variables such as fl ow accumulation grids, land use, vegetation, elevation and slope data to identify risk from fl ash fl ooding.

► Coastal Storm Surge Risk Score – Coastal Storm Surge Risk Score helps you more accurately assess a property’s relative risk due to hurricane storm surge impact. Our heritage in fl ood and our leading science provide a full understanding of the associated risk where just one cubic yard of seawater weighs nearly one ton. We incorporate the tide and water depth, barometric pressure, and wind speed to provide potential surge depths for all hurricane Category 1 to 5 events.

► Sewer Backup Risk Score – Backed up sewers and fl ooded basements can wreak havoc on a home, causing thousands of dollars in damage to fl oors, walls, furniture and electrical systems. According to the Insurance Information Institute, over 500,000 claims occur in the U.S. annually, with average claims rising 3 percent every year. Better assess your sewer backup risk by leveraging CoreLogic datasets such as sewer pipe age, ground depression areas, Flood Risk Score, Flash Flood Risk Score, soil infi ltration, and more.

With our U.S. Flood Models, you can tend to the health of your portfolio.

These solutions deliver a comprehensive view of the risk, using widespread coverage of hydrologic and hydraulic data that refl ects regional fl ooding and drainage patterns.

Our high-resolution probabilistic models combine our experience in identifying and evaluating fl ood risk with detailed hazard data and powerful modeling tools to enable you to effectively underwrite and price fl ood policies and analyze fl ood risk at both location and portfolio level.

► Riverine Flood – Using up-to-date and innovative data layers for river fl ows, fl ood basins, private and public fl ood defenses and elevations, the CoreLogic inland fl ood model adds confi dence in the catastrophic risk assessment of property.

► Flash Flood – Heavy downpours of rain can happen anywhere, and the resulting surface water fl ows present a substantial component of fl ood risk for many locations. The CoreLogic Flash Flood Risk model simulates the complexities of a modern storm that can produce both riverine and fl ash fl ooding.

► Storm Surge – Our fully aligned Storm Surge model is a granular, up-to-date, detailed approach to appropriately and rationally estimate risk due to storm surge and coastal fl ooding. The model covers 20 states along the Gulf and Atlantic coasts from Texas to Maine.

Jacqueline’s home is just one of many you protect. You also insure properties throughout the rest of her city, and when a catastrophe like Hurricane Harvey hits, you’re responsible for picking up the pieces.

The CoreLogic U.S. fl ood catastrophe modeling solutions assess the potential damage and fi nancial impact from riverine, fl ash fl ood, and coastal storm surge events.

We’ve even got your back for non-weather-related fl ooding—for times when Jacqueline’s pipe bursts on a chilly winter night or when her washing machine springs a leak on a heavy load.

► Non-Weather-Related WaterRisk™ – According to an analysis of insurance carrier loss data, non-weather-related water damage accounts for approximately 20 percent of all homeowner insurance losses nationwide. The WaterRisk methodology includes the gathering and assembly of large volumes of practical, measurable data drawn from nearly one million water damage survey responses over 10 years, hundreds of thousands of appliance failure reports, climate data and localized repair costs. So get your feet wet. This is just the surface.

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Keep your head above water with CoreLogic. Learn more at corelogic.com or by calling 866.774.3282.