{"id":631225,"date":"2022-09-22T11:56:28","date_gmt":"2022-09-22T16:56:28","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=804925"},"modified":"2026-04-16T07:08:32","modified_gmt":"2026-04-16T12:08:32","slug":"stemming-a-rising-tide-how-insurers-can-close-the-flood-protection-gap","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/stemming-a-rising-tide-how-insurers-can-close-the-flood-protection-gap\/","title":{"rendered":"How Insurers Can Address the Growing Flood Protection Gap"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report-Triple-I-Web-banner-2880x1800-1.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:48% 47%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Sustainability<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">How Insurers Can Address the Growing Flood Protection Gap<\/h1><\/div><h2 class=\"reasearchInsightTitle\">A climate risk report by the Insurance Information Institute (Triple-I) and Capgemini<\/h2><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Report_Triple-I_Capgemini_Sept-2022-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download report<\/span><span class=\"type\">5 MB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-intro-para undefined section section--intro\"><div class=\"intro-para\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-2\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/insights\/research-library\/stemming-a-rising-tide-how-insurers-can-close-the-flood-protection-gap\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/insights\/research-library\/stemming-a-rising-tide-how-insurers-can-close-the-flood-protection-gap\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-8\"><h2 class=\"intro-para-title\">Awareness and understanding of weather and climate risk has grown in recent decades with floods comprising an ever larger share of the total. While action is being taken, much work remains to establish a mindset focused on resilience.<\/h2><p class=\"intro-para-content\">Floods cost the global economy more than $82 billion in 2021. The size of the losses, the protection gap, and human devastation all underscore the importance of addressing flood risk. And, while insurance is a critical part of risk mitigation, it\u2019s clear that risk transfer alone is insufficient to address the challenges ahead.<br>\u00a0<br>Produced in collaboration with the Insurance Information Institute (Triple-I), this report provides insights into the state of global <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/anticipatory-flood-risk-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">flood risk<\/a> and highlights how insurers are well-positioned to promote a broad resilience mindset focused on pre-emptive mitigation and rapid recovery. Insurers should focus efforts in three broad categories:<\/p><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"grid-container\"><div><div class=\"article-text article-quote-text\">\n<ul class=\"wp-block-list\">\n<li><strong>Data and communication:<\/strong>&nbsp; Advanced data and analytics tools can increase insurers\u2019 comfort in covering flood risks. These tools are critical to unlocking new data potential and enabling more accurate risk assessments.<\/li>\n\n\n\n<li><strong>Collaboration and innovation:<\/strong> Partner with communities on strategies like improved building codes and CBCI programs that can reduce risk and make insurance more affordable.<\/li>\n\n\n\n<li><strong>Education and awareness:<\/strong> Play a greater role in educating policyholders, businesses, and communities about risk mitigation and provide incentives to drive purchases.<\/li>\n<\/ul>\n\n\n\n<p>The role of insurers in closing the flood protection gap can be a crucial one, and the time to act is now. To learn more, <a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Flood-Reports_Triple-I_Capgemini_September-2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">download our report<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-learn-more updated-new-sample-amal learnMoreBlock\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 class=\"learnmore-heading\">Related reading<\/h2><\/div><\/div><div class=\"row\"><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"\/insights\/research-library\/sustainable-underwriting-how-insurers-can-account-for-esg-risks-and-enable-dynamic-pricing\/\" target=\"\" aria-label=\"Sustainable underwriting: How insurers can account for ESG risks and enable dynamic pricing\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/07\/shutterstock_1924878002-2880x1800-1.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/07\/shutterstock_1924878002-2880x1800-1.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/07\/shutterstock_1924878002-2880x1800-1.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Sustainable underwriting: How insurers can account for ESG risks and enable dynamic pricing<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/div><\/div><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"\/insights\/research-library\/issues-answers-climate-of-change\/\" target=\"\" aria-label=\"Issues and answers: Climate of change\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/08\/Climate-of-changer_2880-x-1800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/08\/Climate-of-changer_2880-x-1800.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/08\/Climate-of-changer_2880-x-1800.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Issues and answers: Climate of change<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/div><\/div><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/worldinsurancereport.com\" target=\"_blank\" aria-label=\"The World Property and Casualty Insurance Report 2022\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/05\/Capgemini_World-Insurance-Report_2022.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/05\/Capgemini_World-Insurance-Report_2022.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/05\/Capgemini_World-Insurance-Report_2022.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">The World Property and Casualty Insurance Report 2022<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/div><\/div><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.insurancejournal.com\/magazines\/mag-features\/2022\/08\/15\/680122.htm\" target=\"_blank\" aria-label=\"Solving climate change starts with C-Suite leadership\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/c-suite-climate-change.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/c-suite-climate-change.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/c-suite-climate-change.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Solving climate change starts with C-Suite leadership<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/div><\/div><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.emergingrisks.co.uk\/solving-for-climate-change-it-takes-an-ecosystem\/\" target=\"_blank\" aria-label=\"Solving for climate change: It takes an ecosystem\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/emerging-risks.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/emerging-risks.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/emerging-risks.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Solving for climate change: It takes an ecosystem<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Produced in collaboration with the Insurance Information Institute (Triple-I), this report provides insights into the state of global flood risk and highlights how insurers are well-positioned to promote a broad resilience mindset focused on pre-emptive mitigation and rapid recovery.<\/p>\n","protected":false},"author":33,"featured_media":714253,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"{\"uuid\":\"20851923-15c4-4bbc-a63f-ba29b745b21f\",\"blogId\":\"1\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/\",\"postLink\":\"https:\/\/www.capgemini.com\/insights\/research-library\/stemming-a-rising-tide-how-insurers-can-close-the-flood-protection-gap\/\",\"postId\":804925,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"hreflang\":\"\",\"link\":\"\"}","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"a43d9bd4-f49c-4a09-bb8b-4bc932183417\",\"blogId\":\"1\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/\",\"postLink\":\"https:\/\/www.capgemini.com\/insights\/research-library\/stemming-a-rising-tide-how-insurers-can-close-the-flood-protection-gap\/\",\"postId\":804925,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"isEnabled\":true}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":83,"primary_term":"Sustainability","featured_focal_points":""},"tags":[],"research-and-insight-type":[288],"theme":[93],"brand":[],"service":[138],"industry":[545,70],"partners":[],"content-group":[],"class_list":["post-631225","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-report","theme-sustainability","service-sustainability","industry-financial-services","industry-insurance"],"yoast_head":"<!-- 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