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Tornadoes in Mississippi and Georgia

May 3, 2021 | 8:53pm CT

In what has already been a very active tornado season for the Southeastern U.S., a series of strong tornadoes developed betw een the afternoon of May 2nd and the morning of May 3rd. The above normal activity can in part be attributed to the La Niña conditions observed this winter and spring (cooler than normal sea temperatures in the central Pacific Ocean).
The first tornado hit during the afternoon on the southeast side of Yazoo City, Mississippi, a town that was hit very hard by an EF-4 tornado in 2010 with a similar path. Later that evening (near 10 pm local) another strong tornado developed with an estimated path length of almost 20 miles and struct the center of Tupelo, Mississippi. Finally, a rare morning tornado hit the western neighborhoods of Atlanta, Georgia, beginning in the industrial area south of Six Flags Over Georgia. Sadly, at this time at least one fatality has been attributed to the tornado in Atlanta.

Figure 1: Yazoo City, Mississippi
Figure 2: Tupelo, Mississippi
Figure 3: Atlanta, Georgia

Nearly 10,000 Homes Likely Impacted by Alabama, Georgia Tornado Outbreak

April 1, 2021 | 10:01am CT

March 25, 2021, will be remembered as a tragic day across Alabama: one of high-impact, exceptionally long-tracked tornadoes resulting in 5 lives lost and an estimated excess of 9,000 properties damaged.

As projected by the National Weather Service, severe thunderstorms began by midday and became tornadic relatively quickly as they tracked rapidly northeastward through the central part of Alabama. Suburban communities on the southern outskirts of Birmingham were especially hard hit, as well as farther south in and around the towns of Brent, Centreville, Calera and Columbiana. Northeast of Birmingham, the small town of Ohatchee sustained considerable damage; sadly, several fatalities occurred here as well. The same weather system continued into Georgia, brushing past the cities of Rome, Lindale, and Cartersville, along a path that could surpass 50 miles.


Severe Weather Outbreaks in the South

March 29, 2021 | 10:34am CT

Figure 1:  Alabama Tornado Outbreaks
Alabama Tornado Outbreaks
Sources: National Weather Service damage paths for the 2011 event
and CoreLogic Tornado Verification Technology algorithm for the 2021 events.
© 2021 CoreLogic,Inc., All rights reserved.

It’s the middle of tornado season for the South. A week after a tornado outbreak over portions of the South, a deadly tornado outbreak affected the same region. The Storm Prediction Center issued a high risk for the region and long-track, strong-to-violent tornadoes were expected. The overall conditions for the outbreak on March 25 were more susceptible for severe weather than for the March 17 outbreak: the low-level wind shear, the mid-level wind shear, and the instability were all stronger. This increased instability also resulted in a higher hail risk compared to that of the March 17 outbreak. Despite the weaker surface forcing early during the day (there was no dryline to help focus the storms), there was enough rising motion to cause to a few storms. Any storms that did form in this environment had the potential to become supercells, the storms that produce the most tornadoes. The March 17 event may have been compared to the April 27, 2011 tornado outbreak due to its similar location, but March 25 outbreak was more comparable to the 2011 event due to the more conducive conditions for a high-end outbreak than during the March 17 event. The longest tornado path estimated by the CoreLogic Tornado Verification Technology was nearly 100 miles.

Two days after the outbreak in Alabama on March 25, isolated tornadoes were possible with this system as conditions remained susceptible for supercells, but an outbreak of long-track tornadoes was not expected. As the evening of March 27 progressed, several storms extended from Texas to Illinois, including three preliminary EF2 tornadoes in eastern TX extending from Rusk, TX towards Carthage, TX. Even though there were nearly a dozen active tornado regions across Texas, Arkansas, and Tennessee, at any given time during the evening, few of these storms produced tornadoes.

In addition to the tornado threat, flash flooding occurred over portions of Tennessee. This flash flooding occurred from a combination of three events: a large early-morning storm system on March 27th, several isolated supercells that moved over the same region for a few hours during the early-evening, and another larger storm system during the night. Many areas received between 6-8 inches of rain during this period and some areas received more than 10 inches. Nashville recorded its second-wettest two-day rainfall total in history (7.01”) according to the Nashville National Weather Service Office. (Source: National Weather Service Advanced Hydraulic Prediction Service).

Storm Season has Arrived in the Southern U.S.

March 25, 2021 | 9:31am CT

Just one week after the region’s most recent bout with severe weather, Thursday, March 25, is expected to deliver yet another outbreak of dangerous storms across much of the mid-South and Gulf Coast regions of the United States.

Severe Weather

A dangerous combination of seasonably strong convective instability and robust wind shear will result in a high-end environment for vigorous thunderstorm development by mid-day, generally beginning over portions of the middle to lower Mississippi River Delta. These storms will move northeastward with time, and will eventually pose a significant threat to interests in the middle and lower Ohio and Tennessee River Valleys, and may spread as far east as the southern Appalachians by late evening. The area of greatest concern spans across most of Mississippi into the northern half of Alabama. Significant (EF-2+), long-tracked tornadoes, and hail exceeding 2” in diameter will be the primary hazards, along with damaging straight-line wind gusts and localized flash flooding.

Alabama Tornado Outbreaks
of March 17, 2021 and April 27, 2011

March 22, 2021 | 4:05pm CT

The March 17, 2021 Alabama tornado outbreak was a high-risk event. Another notable high-risk event over Alabama was April 27, 2011, an event known as the 2011 Super Outbreak. That event produced 216 tornadoes, including 11 EF4 and 4 EF5 tornadoes, and was responsible for over 300 fatalities.

Figure 1:  Alabama Tornado Outbreaks
Alabama Tornado Outbreaks
Sources: National Weather Service damage paths for the 2011 event
and CoreLogic Tornado Verification Algorithm output for the 2021 event
© 2021 CoreLogic,Inc., All rights reserved.

The tornado outbreak on March 17, 2021 covered much of the same region. While conditions were favorable for a tornado outbreak on March 17, 2021, the conditions were not nearly as favorable to produce a similar style outbreak compared to the one nearly 10 years ago. In 2011, there were 30 tornadoes in Alabama with an average path length of 29.5 miles, but in 2021 the average path length of the confirmed tornadoes was less than 5 miles. The CoreLogic® Tornado Verification Technology estimated 13 tornadoes and the average path length was less than that in 2011.

Severe Weather Outbreak in the Southeast U.S

March 17, 2021 | 12:30pm CT

A significant severe weather and tornado outbreak will occur today, Wednesday, March 17th across portions of the Southeast United States. A strong upper level storm system moving into the Southern Plains has drawn rich low level moisture northward across portions of Arkansas, Tennessee, Louisiana, Mississippi and Alabama. The combination of strong jet stream winds turning with height and moist unstable air will create an environment conducive for strong to violent long-tracked tornadoes, destructive hail, damaging straight-line winds and isolated flash flooding. The greatest threat areas includes Central Mississippi into Central Alabama including the major cities of Jackson, Tuscaloosa and Birmingham.
Additionally, significant severe weather will continue into tonight and through the day tomorrow across portions of eastern Alabama, Virginia, North and South Carolina, with strong tornadoes expected from Georgia up to Virginia.

With the ever-growing concern of climate change, greater volatility and severity in future weather patterns is anticipated.

The Great Tohoku Earthquake 10 Years Later

Figrue 1 Tohoku Earthquake | Magnitude 9.0/9.1 | Japan | March 11, 2011
 Figrue 1 Tohoku Earthquake | Magnitude 9.0/9.1 | Japan | March 11, 2011

Ten years ago today, on March 11, 2011, the Great Tohoku Earthquake struck offshore of the island of Honshu, Japan. This magnitude (M) 9.0-9.1 earthquake triggered a massive tsunami and more than 1,000 aftershock events, some as large as M7. It was the fourth most powerful recorded earthquake in the world. This was an unprecedented event that caused massive damage and affected many lives. From an industry solvency perspective, diversified re/insurance companies were more than adequately capitalized as the majority of the building density and perceived risk in Japan is further south. 

Tohoku may have occurred a decade ago, but the risk is still present.

February Extreme Winter Storm

February 19, 2021 | 10:05am CT
With the central U.S. winter storm now freezing a large portion of the country, CoreLogic looks further into the effects of this storm.
Our first discussion focused on the temperature anomaly – the deviation of the cold temperatures this week from the normal temperatures. Leveraging the Pivotal Weather temperature anomaly map, we focused on the 40-degree anomaly region. In this region, the cold temperatures are a shock – beyond the typical experience of the average resident in the area. Shocks of this nature are coincident with significant damages to property, partially because actions that could avert damages are not intuitive. In our initial assessment, we identified over 23 million U.S. housing units affected, or nearly 15% of the U.S. housing stock.
Not all of the homes in this group are expected to incur significant damages from the freeze. Winter-temperature design guidelines, such as better wall and ceiling insulation, higher window standards, and the minimization of pipe exposure though insulation and reduction of piping in exterior walls, produce more resilient homes, but not all of the homes in the affected region are designed to the same standards. Using a combination of regional cold-weather design guidelines, low-regional temperatures and the temperature anomaly for this week, CoreLogic produced a gradient of risk in the area:

  • 10.3 Million housing units are in the regions of severe risk, with extremely low temperatures well below design temperatures
  • 5 Million more housing units are in regions of high risk
  • Another 3.5 Million housing units are in regions of elevated risk

Reviews of claims data for the most common report of loss (burst pipes) produce an average insured loss of about $10,000 per home. Only a small fraction of homes in these regions are expected to have burst pipes, but the consequences to restoration may be large.



February 16, 2021 | 3:24pm CT

The extreme winter storm of February is impacting a large portion of the U.S., with the National Weather Service reporting “Frigid Arctic air and dangerously cold wind chills to persist in the Great Plains and Mississippi Valley through midweek.” This storm is an unusually cold event, and it is useful to evaluate the storm versus the normal cold temperatures for this date (see image).

Winter Storm

Approximately 23.5 million housing units (more than 15% of the national total) in the U.S. are in areas with today’s low temperature being 40 degrees Fahrenheit below the normal low temperature for the date, representing about one-sixth of the housing units in the country. Low temperature extremes of this severity are of special concern – in the milder climate areas, water utilities are often not weather protected to this level and freezing and widespread breakage of water supply lines is expected. In many areas, these low temperatures are associated with increased precipitation (snow and ice) which are likely to produce ice dams and other damage which may not be discovered until spring. Cold weather shocks have always occurred – what is unusual about today’s event is the severity combined with the coverage of 15% of the country’s housing stock. The damage to these homes is not isolated to the resident: the damage can trigger losses to insurers and/or impaired collateral for mortgage issuers. Although today’s event is not associated with climate change, a changing climate promises greater volatility in the weather patterns. Improved analytics at the portfolio level and property level can help us achieve resilience to extreme weather.

Alabama Tornado

January 27, 2021 | 4:50pm CT

Tornado season has arrived in the southeastern United States, as a powerful storm system brought destructive weather to the mid-South and central Gulf Coast region earlier this week. Late in the evening of January 25, the northern suburbs of Birmingham, Alabama, were heavily damaged when a strong, EF-3 tornado tore a nearly 10 mile path through the communities of Fultondale, Pinson, and Center Point. Approximately 1,500 homes were damaged or destroyed, with an aggregate value of over $200 Million according to CoreLogic’s tornado verification technology.

2020 Wildfires

December 3, 2020 | 9:40AM PT

It can be argued that there is no real wildfire “season” anymore and that wildfires are occurring throughout the year in at least parts of the western U.S.

Today, late year wildfires broke out in Southern California, with the Bond Fire in Orange county expanding from the 3,500 acres initially reported this morning. Other fires in Riverside county have resulted in evacuations, with Red Flag warnings in effect for areas in and around Los Angeles. Southern California received above normal rainfall last year followed by a very hot summer, so there is potential for more fuel to burn than normal right now.

The primary concern for late season fires in southern California are the Santa Ana winds that amplify the fires and cause issues with increased embers. They also hinder efforts to fly aircraft for suppression. Wind gusts earlier today were measured at more than 60 miles per hour, which will make responding to these fires more difficult and more dangerous for the firefighters. These high wind-driven fires can be very dangerous to nearby residents since they can move quickly and overrun residential areas. Evacuation orders should be heeded.

Magnitude 7.0 Earthquake in Turkey and Greece

30 October 2020 | 4:46 PM GMT

On Friday, 30 October, a magnitude 7.0 earthquake struck the sea near the Turkey and Greece borders at a shallow depth. The earthquake struck some 120 miles south of the western-most section of the North Anatolian fault, the seismic source that drives the majority of risk in Turkey. 

The moment tensor indicates that this was a normal faulting type event with a north-south oriented extension; this is common in the Aegean sea and surrounding region. This is a large event for a normal faulting mechanism, making it likely this was the main shock event. Events with this faulting mechanism are less likely to trigger large aftershock activity than other faulting types. 

Figure1: Turkey and Greece Eathquake

While the epicenter was in Greece, the wider population affected would certainly impact both Greece and Turkey. We are expecting the event to have a higher impact in Turkey. Reports are sparse, but there are 20 reported fully collapsed buildings in Turkey, and local tsunami flooding has occurred. The figure above shows the modified Mercalli intensity (MMI) felt from the event; we would not expect to see any damage below MMI V (Moderate). As we can see, the potential area of damage covers the majority of Samos Island in Greece as well as large parts of the wider Izmir region. 

Hurricane Zeta

October 28, 2020 | 2:53PM CT

Zeta is currently a high-end Category 2 storm with maximum sustained winds of 110 mph and is expected to make landfall near New Orleans, Louisiana tonight before 7pm CT.

Hurricane Zeta

The Louisiana coast has been battered this season from Laura and Marco to the recent Delta--and now Zeta. Zeta's added strengthening occurred as it passed through an area of warm water temperatures and low wind shear, enabling it to strengthen considerably.

As the storm approaches the Gulf coast, storm surge as high as 9 feet will impact portions of Louisiana, Mississippi, and Alabama with the highest rise of 5-9 feet expected between the Pearl River estuary, and Dauphin Island.

Hurricane conditions will begin this afternoon, and the level of damage could be exacerbated as Zeta gathers more forward speed. Offshore, Zeta is moving through an area in the northern Gulf dense with platforms but wave heights and winds are not expected to be severe enough to cause significant damage.

Hurricane Delta

October 13, 2020 | 8:00AM ET

CoreLogic Estimates $0.7 Billion to $1.2 Billion in U.S. Onshore Losses From Hurricane Delta Wind and Storm Surge

According to this new CoreLogic Hurricane Delta data analysis, insured wind losses for residential and commercial properties in Louisiana and Texas are estimated to be between $0.5 billion and $0.9 billion. Insured storm surge losses are estimated to be an additional $0.2 billion to $0.3 billion. Damage to offshore structures ranges from $0.8 billion to $1.5 billion.

Hurricane Delta made landfall near Creole, Louisiana, on Friday, October 9, as a mid-Category 2 storm with a maximum sustained surface wind speed of 100 miles per hour, making Delta the second hurricane in six weeks to make landfall along the southwestern coast of Louisiana. As Hurricane Delta approached the western Louisiana coast, the storm encountered an environment of high wind shear and weakened just before landfall in Cameron Parish, about 15 miles east of where Hurricane Laura devastated communities in late August.

Windstorm Alex

October 6, 2020 | 7:03PM BST

The European Windstorm Season Gets Underway With A Bang

On 30 September, the 2020-21 European Windstorm season saw its first named storm, Alex.  It underwent explosive cyclogenesis, or more colloquially known as a “weather bomb,” with a drop in central pressure of nearly 40mb in 12 hours, impacting the region of Brittany in North-West France on 1 and 2 October.

A record wind speed observed on the Atlantic island of Belle- Île (west of mainland France) of 186km/h suggests that Alex may have contained a particularly hazardous feature, sometimes found within extra-tropical cyclones, known as a Sting Jet. This is a localised, cold airstream which rapidly descends from the mid-troposphere, bringing potentially very damaging winds to the surface. Owing to its relatively small footprint, a sting jet is as difficult to identify as it is to predict the possible damage on the ground.

With the exception of the record wind speed observation, the coastal weather stations in Brittany recorded windspeeds much more consistent with a high-frequency winter storm. On the ground there will be some localised damage from Alex.

As the system weakened and slowed, it advected, or transferred, significant amounts of moist air from over the Mediterranean, causing significant localised flash flooding in southeast France and northwest Italy. CoreLogic continues to monitor the impact from this event.

Hurricane Teddy

September 22, 2020 | 1:39PM CT

Hurricane Teddy is expected to reach Atlantic Canada as a post-tropical storm on Wednesday morning and will most likely have decreased wind speeds compared to Hurricane Dorian in 2019. 

Nova Scotia and Prince Edward Island should expect surge levels in addition to flash flooding due to intense rainfall. Current estimates are between 3-5 meters of surge for Prince Edward Island and 3-9 meters for Nova Scotia.  Parts of Newfound and Labrador are also expected to receive rainfall of 50mm-100mm.

CoreLogic estimated the flood risk in different parts of Nova Scotia and Prince. The red in the maps below reflect extreme risk, orange is very high risk, yellow is high risk, green is moderate risk and blue is low risk.

Flood Risk in Halifax, Nova Scotia
Flood Risk in Halifax, Nova Scotia

Flood Risk in Charlottetown, Prince Edward Island Charlottetown, Prince Edward Island

Flood Risk in Sydney, Nova Scotia Flood Risk in Sydney, Nova Scotia

Overall, we should less impact from wind gusts but rainfall and surge are expected to cause flooding through Nova Scotia, Prince Edward Island, and Newfoundland and Labrador over the next few days.

CoreLogic will provide updates on the situation as it unfolds.

Tropical Storm Beta

September 21 | 2:51 PM CT

Tropical Storm Beta, the 21st named storm of the 2020 season, is already one month ahead of the pace set by the record 2005 season. Beta is forecasted to come ashore along the central Texas coast Monday (Sept 21st) as a Tropical Storm, with maximum sustained winds of 50 mph.

Taking a similar path to Hurricane Harvey in 2017, Beta is expect to meander along the Texas for the next few days, bringing heavy rain from the central to northeastern Texas coast. Unlike Harvey, extreme rainfall is expected to only be localized, due to a limited precipitation shield and the presence of dry air.

Hurricane Beta

As a Tropical Storm, Beta is not expected to post a storm surge threat, nor cause widespread wind damage. However, a low tornado threat will be present while Beta is in the area.

Hurricane Sally

September 16, 2020 | 1:39PM CT

Overnight, Hurricane Sally strengthened to a high-end Category 2 storm, making landfall near Gulf Shores, Alabama with maximum sustained winds of 105mph. Interestingly, Sally made landfall in almost the exact same spot and on the same day, September 16, as Hurricane Ivan in 2004.


Sally was a moderate sized storm with hurricane-force winds extending up to 40 miles from the center and tropical storm-force winds extending as far out as 125 miles.

Storm Surge

Hurricane Sally trended slightly eastward, producing strong storm surge in Alabama and the western end of the Florida panhandle. Early reports indicate approximately five feet of storm surge flooding in the Pensacola area. The late shift eastward made Pensacola more vulnerable to surge than originally expected 24 hours prior to landfall.

In addition, the relatively slow forward movement of the storm enabled it to push more surge water onto land. This exacerbated the flood potential by combining with the rainfall it is producing. With the hurricane slowly approaching the coast, the rainfall sourced flooding onshore is often prevented from flowing downstream to the Gulf by the surge water that is being pushed ahead of the storm and upstream. The combined effect is increased flood levels inland.

Figure 1
72-Hour MRMS Gauge-Corrected Prescription Analysis
Source: CoreLogic Inc.
© 2020 CoreLogic,Inc., All rights reserved.


Extreme rainfall in excess of 30 inches has been reported along the Gulf Coast, resulting in widespread catastrophic flash flooding with multiple streams having already risen over 15 feet. Flooding is excepted to spread further inland as Sally slowly makes its way through southern Alabama and Georgia.

As of Wednesday afternoon, Sally has weakened and was downgraded to a Tropical Storm. CoreLogic will continue to provide updates as the situation unfolds.

The 2020 Storm Surge Report is Here

Over 7.4 million homes are at risk of storm surge. When that is compounded by economic uncertainty due to the pandemic, how will mortgage delinquencies be affected? How will natural catastrophe response and recovery change?

“Storm surge has historically been the deadliest and most destructive hazard we deal with. Now, potentially compounded by the pandemic, it has never been more important to pay attention to storm warnings and prepare for the possibility of hurricanes making landfall this year along the Gulf and Atlantic coasts.” -Dr. Thomas Jeffery, Principal, Science and Analytics at CoreLogic

Read the Storm Surge Report
Storm Surge

Our Tools & Methodology

According to a 2018 study by Swiss Re, insurance has only covered 30% of the $4 trillion in a global property damage resulting from extreme natural disaster events in the past 40 years.*

In an increasingly risky world, it’s paramount to be proactive in managing your risk and exposure. Our Ph.D.-level scientists develop granular models to understand the impact Mother Nature has on our world.

* Holzheu, T., & Turner, G. (2018, March 16). Closing the natural catastrophe protection gap. Retrieved September 21, 2018.

Hazard Models

Earthquake: M7.7 Near Cuba

A magnitude 7.7 earthquake occurred on January 28 at 2:10 PM EST, situated about 75 miles northwest of Jamaica, approximately 80 miles southwest of Cuba’s Bayamo state.

Strong ground motions have been reported in Montego Bay, Jamaica. The earthquake occurred along the northern margins of the Caribbean seismic plate and is the most powerful earthquake in this region for at least 100 years. There have been four more magnitude 6.6+ earthquakes in the region in the last 100 years.

The initial reports of isolated pockets of severe ground motion in Jamaica produce an expectation of pockets of damage to older structures or structures with inadequate seismic design. Ground motions in the capital city of Kingston, Jamaica are reported to be from weak to light. CoreLogic continues to monitor this earthquake to support their response and recovery.

Wildfire: California Wildfires

Starting on October 10, 2019, a spate of wildfires occurred across northern and southern California, including the Saddleridge Fire, Kincade Fire, Getty Fire, Tick Fire, Maria Fire, Hillside Fire, Easy Fire, and many more.

CoreLogic provided risk analysis over the homes inside the Kincade, Tick, and Getty Fires as the perimeters become available.

California Fires October 2019

Severe Convective: Southeast Tornado Outbreak

On April 12 and 13, 2020, severe weather swept through the Southeast U.S. A total of 86 tornadoes tore through the region, leading to the loss of at least 34 lives. Over the two-day storm period, CoreLogic® Tornado Verification Technology monitored the tornadoes and estimated structural impacts and reconstruction costs.

Learn More

Chattanooga, Tennessee

Wildfire Recovery

The Tubbs Fire in 2017 and Camp Fire in 2018 demolished the cities of Santa Rosa and Paradise. The Camp Fire, in particular, was the single most expensive disaster for insurers worldwide that year, ultimately setting the stage for 2018 to become the fourth-costliest year for insurance companies since 1980.

Many years later, and the story of recovery for these devastated towns is still unfolding. CoreLogic is tracking the latest data on the reconstruction effort.

Get the Latest Stats

Understanding Risk in a Decade of Natural Catastrophes

July 6, 2020
Maiclaire Bolton Smith
Sr. Leader of Research & Content

In the past 10 years, the U.S. has seen 121 events produce damage in excess of $1 billion. Globally, this escalates with many more events around the world. From major hurricanes and floods, to annual severe weather, devastating wildfires, and even the rarer occurring earthquakes and volcanoes, in the past decade, the U.S. has seen them all.

In the latter half of the decade, the trend of catastrophic losses continued to rise with events like Hurricane Harvey (2017) and the California wildfires (2017 and 2018) among the most costly and disruptive.

Now more than ever, insurers need real-time data to understand risk on a granular level and best serve their policyholders.



California Rebuilds, A CoreLogic Update

California Rebuilds, A CoreLogic Update

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CoreLogic Housing Policy Outlook: Hurricane Florence

CoreLogic Housing Policy Outlook: Hurricane Florence

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Santa Rosa Wildfire: Starting With Wind

Santa Rosa Wildfire: Starting With Wind

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Aftermath From The Thomas Fire and Montecito Mudslides in California

Aftermath From The Thomas Fire and Montecito Mudslides in California

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The fire, which originated in the town of Paradise in Butte County, cost $16.5 billion in damages (with only $4 billion insured) and destroyed 18,804 structures, making it the single most-expensive natural disaster for insurers worldwide that year.

After the October 2017 Tubbs Fire in Northern California, the Napa, Sonoma and Lake counties suffered devastating losses. Santa Rosa in Sonoma County was the hardest hit, with $1.2 billion of damage[1] and 3,043 housing units destroyed.

Although advancements in weather forensics have made it possible to anticipate the region and severity of certain catastrophic events, it is harder to predict how demand surge may or may not affect recovery efforts following a natural disaster of any kind. 

Earthquakes have the potential to cause major destruction and disruption to society. Damage caused by earthquakes can be catastrophic and can have both a humanitarian and financial impact. So when an earthquake occurs, having a prompt understanding of potential catastrophic consequences is critical for risk managers, who rely on this information to make informed decisions about how to manage the impact of disastrous events. With services like the USGS Earthquake Notification Service (ENS) providing readily available, automated earthquake notifications, obtaining information about earthquake activity around the world is now easier than ever.

Each year, homeowners around the country endure catastrophic events such as floods, wildfires, hurricanes, tornadoes, and earthquakes. These events can be highly destructive to homes, especially when they occur suddenly. In the aftermath of a disaster, appraisers and assessors often find themselves in a number of situations that make it challenging to form an opinion of value. Understanding these challenges is an important step to helping mitigate risk.

According to a recent CoreLogic Natural Hazard Press Release, the 2018 Camp and Woolsey Wildfires in California caused devastating losses between $15 and $19 billion. Because a home is most often a complete loss when it comes to wildfires, the destruction caused by these catastrophic events has been a personal and financial tragedy for many families. These and other natural hazards have forced Insurance Carriers to reevaluate the need for more accurate insurance coverage to better ensure their policyholders can be made whole again if a natural disaster should destroy their property.

Tom Jeffery and Guy Kopperud chat with Insurance Journal about what we can explain and how we can learn from the wildfires of 2017. 

Most people understand that the goal of a homeowner’s policy is to restore a home and possessions to the way they were should a catastrophic event, such as a hurricane, wreak havoc. If the building and labor cost database is not property monitored, and initial coverage and claims estimate is too low, the homeowner may not be able to fully cover the losses incurred—and that’s not a message anyone experiencing loss should hear.

Once the wind, rain and flood waters have receded it’s time to pick up the pieces and begin the process of repairing your home. One of the most vulnerable parts of your home in any weather event is the roof. Here’s 5 tips on how to repair your roof.

Catastrophes caused tremendous damage to properties causing people to lose their homes, schools and businesses. To understand the impact of natural catastrophes on mortgage delinquency, CoreLogic researched loan payment performance in Texas, after Hurricane Harvey.

Most people understand that the goal of a homeowner’ policy is to restore a home and possessions to the way they were should a natural or not-so natural disaster strike. If the coverage is too low, the homeowner may not have enough to fully cover the losses incurred.

Your Go-To for Catastrophe Insights

The past few years have been catastrophic, from blazing wildfires to powerful hurricanes battering the coasts. We know clarity is important amidst the chaos, so we want to make sure you’re finding all the information you need to be up to date in one place.

Here at Hazard HQ™ you’ll find press releases, explanations of how our data works, commentary about what kind of damage we foresee, and critical thinking on what it takes to be more resilient in the face of natural hazards—be it a hurricane, volcano, earthquake, or beyond.

We know that data can get confusing, especially as we begin to put out estimates for reconstruction cost and damage in response to any hazard event. To help shed some light on a chaotic time, we wanted to help answer some frequently asked questions.

Frequently Asked Questions

CoreLogic uses its RCV methodology which estimates the cost to rebuild the home in the event of a total loss and is not to be confused with property market values or new construction cost estimation. Reconstruction cost estimates more accurately reflect the actual cost of damage or destruction of residential buildings that would occur from hurricane-driven storm surge, since they include the cost of materials, equipment and labor needed to rebuild. These estimates also factor in geographical pricing differences (although actual land values are not included in the estimates).

Damage is the overall sum of money lost, both insured and uninsured. 

Loss, otherwise known as gross loss or ground-up damage, is the insured portion of the damage sum. It is the portion that insurance companies pay out.

At CoreLogic, we break down the risk of damage cumulatively. If any hurricane hits, no matter the Category*, it will cause storm surge in the Extreme risk areas. These are homes that typically are closest to the coast and lowest in elevation, thus susceptible to every type of hurricane from Categories 1 to 5. Therefore, their risk of impact is Extreme.

Similarly, the strongest Category 5 hurricane will cause storm surge induced flooding furthest inland. It is listed in the table as Low risk because these hurricanes are the least likely to incur damage, not because they do less damage. However, because a Category 5 hurricane will also cause damage at more vulnerable properties, the cumulative amount of homes affected and the total RCV both increase. These hurricanes affect the same areas that weaker hurricanes do and more.

*Categories are measured on the Saffir-Simpson Hurricane Wind Scale (SSHWS).

In order to develop an estimate about the rainfall, we first need a footprint of where we think the rain is going to fall, and we won’t know that until the storm is conclusive about where it’s going to make landfall and where that path will take it.

The short answer is…nothing. CoreLogic is a real estate and data analytics company. We don’t make predictions, and we’re not going to be able to tell you whether to stock up on water or canned goods or sweaters or sand bags like a weather man will.

What we can provide is a realistic assessment of how a catastrophe impacts people—their homes and businesses—and what that will look like, both insured and uninsured. We are able to do this with both our highly granular catastrophe models to determine the impact upon properties and with a team of Ph.D.-level scientists who work hard to Get The Whole Story.

Media Contact

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Hurricane Isaias

Hurricane Isaias

  • Isaias marked the earliest “I” storm on record by 8 days.
  • As a result of the COVID-19 pandemic, it is important to note that there may be added challenges related to preparation, evacuation, immediate response and aftermath.

Hurricane Hanna

Hurricane Hanna

  • Isaias marked the earliest “I” storm on record by 8 days.
  • As a result of the COVID-19 pandemic, it is important to note that there may be added challenges related to preparation, evacuation, immediate response and aftermath.

Tennessee Tornadoes

Severe Convective:
Tennessee Tornadoes

  • A line of severe thunderstorms that stretched across the U.S. Southeast produced deadly tornadoes in Nashville, Tennessee around 2 AM local time on March 3, 2020.

Severe Convective: Dallas Tornado

Severe Convective:
Dallas Tornado 2019

May Severe Weather

May Severe Weather 2019

Contact your account executive or email for the link to view the webinar.

Insurance Solutions

Structural Risk and Valuations

Rather than rely on a standard industry percentage, get detailed intelligence on the structural risk and value of properties in your portfolio to ensure that your clients are not over or under-insured.

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Natural Hazard and Catastrophe

Assess your market position by accessing reports and data that give you a complete view of the risk to your portfolio.

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Roof Condition Solutions

CoreLogic offers tools to help you assess the roof conditions of prospective clients from your desktop.

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Weather Verification Services

Understand the impact of severe weather to empower you to make critical business decisions about your response.

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