Predicting Risk for a Record Hurricane Season: How Carriers Can Adapt
The 2025 Atlantic hurricane season is predicted to be one of the most active on record. With historically warm ocean temperatures, a strong El Niño-to-La Niña transition, and early tropical activity, insurers are bracing for elevated storm frequency and severity. But thanks to evolving technology, today’s carriers can do more than just prepare for storms. They have the opportunity to predict, model, and respond with more agility than ever before.
How Carriers Are Adapting to Escalating Hurricane Risk
In this era of climate uncertainty, many insurers are evolving beyond traditional risk assessment methods. Here’s how they’re proactively responding:
Advanced Predictive Modeling: Carriers are tapping into sophisticated AI-driven models to forecast storm tracks, intensities, surge zones, and insured loss projections with pinpoint accuracy.
Optimized CAT Response Planning: Claims and catastrophe teams are pre-positioning resources earlier, informed by up-to-the-minute storm tracking and vulnerability maps.
Digital Policyholder Outreach: Carriers are leveraging mobile apps and automated communication to issue preparedness alerts, check-in messages, and post-event support in real time.
Enhancing CAT Models with Better Data
Catastrophe models are only as good as the data fed into them, and that’s where the game is changing. With more frequent, intense storms and new patterns emerging, CAT modeling has moved beyond historical loss patterns and is now leaning heavily on real-time, property-level intelligence.
JMI Reports supports this evolution by supplying:
Structure-Level Data for Model Calibration. Roof type, condition, elevation, and property footprint enhance model precision and allow for more granular risk scoring.
Aerial Imagery for Exposure Validation. Pre-event imagery helps confirm asset locations and characteristics, reducing uncertainty in model assumptions.
By integrating JMI’s high-quality inputs into their CAT modeling platforms, insurers can better understand their exposure, test scenarios, and make faster decisions with greater confidence.
JMI's Role: Delivering Critical Data That Drives Smarter Decisions
As the pressure mounts to respond faster and more accurately, JMI provides a competitive edge through powerful property intelligence tools. Here’s how we support insurers throughout the hurricane lifecycle:
High-Resolution Aerial Imagery: Our network of partners, including industry leaders like Nearmap and Vexcel Data Program, delivers “before” visuals to identify potential damage, reduce fraud, and expedite claims processing, increasing policyholder trust and carrier efficiency.
Roof & Property Condition Insights: Using imagery analysis, we help carriers assess roof age, material, and condition to identify high-risk properties before storms strike.
Geospatial Risk Layering: We integrate critical data such as tree coverage, roof slope, and elevation to give underwriters a 360-degree view of property risk.
Precision is the New Preparedness
With the intensity and unpredictability of modern storms, data isn't a luxury - it’s a necessity. Carriers who rely on accurate, timely, and high-quality property intelligence can respond quicker, price smarter, and protect their insureds more effectively. At JMI, we’re committed to helping insurers weather the storm with confidence. Let us be your data partner this hurricane season and beyond. the adoption of remote inspections. What started as a safety measure has now evolved into a mainstream option for many routine property assessments.