Insurers that continue to evolve their risk modeling gain a competitive edge in underwriting and risk management.

Dubai's susceptibility to flooding is due to factors that are mirrored elsewhere in the world — including the U.S.

"Profitability in the U.S. homeowners' insurance sector has been weak in recent years."

This is expected to be an active hurricane year. Here are the states best-suited to withstand a storm, according to IBHS.