Aw shucks… give me one second, my foot’s just kinda caught in this fence…

Sorry about that—somehow I’m always finding ways to pick up a new injury. Just between you and me, though, it’s usually someone else’s fault. Do you know who owns that fence by the way? I may need to see a doctor about my ankle.

It’s amazing how many people I’ve known that don’t keep up with home safety. And then little old me comes over for a cookout, and before you know it the area around the pool is so slippery that I fall down, the back steps are so unkempt that I trip down them, and the grill burns me. And then the homeowner has the nerve to call me a klutz! It’s not like I’m the only one suffering for others’ shoddy home management—every year, around 43,000 people get hurt around swimming pools, and more than 500 fires start because of grills.

I suppose these same people think it’s my fault when I try riding their dog and it reacts like some kind of animal and bites me.

Alright, I’ve got to go get an icepack for my head… my neighbor’s glass door was so irresponsibly spotless and clean that I walked right into it yesterday. The nerve, I tell you, the nerve!

Get in touch and let Bankers protect you from Lyle Liability’s clumsy finger-pointing.

Have you run into Lyle Liability? Tell us about it in the comments or connect with us on Twitter or Facebook.

See what Lyle and his risky friends have been up to lately and follow their precarious pins on Pinterest!

All data collected from meettherisks.com.

Oh, hello… I didn’t see you there. You’ll have to excuse me; it’s hard to see such small beings when you’re this large.

My friends call me Harvey Hurricane, though I often get a different name everywhere I blow. They call me “cyclone” in the Indian Ocean and “typhoon” in the western Pacific Ocean—I assume meteorologists just need to entertain themselves.

Like I said, I’m a big guy. I’ve been known to gust over 160 miles an hour and drop over 2.4 trillion gallons of rain in a single day, but at my core I’m really quite calm. I just get a little excited sometimes. For instance, when the weather is nice and the ocean heats up… I start splashing around, and next thing you know… I’m SPINNING OUT OF CONTROLLLL…

Sorry about that—even the thought gets me going. Unfortunately all that excitement tends to leave quite a destructive path behind me. My storm surges can be 20 feet high and extend almost 100 miles. Plus, all that rain I produce usually leads to Felix Flood showing up whether I invite him along or not.

Well, it’s time for me to head back out to sea, maybe I’ll see you in a few months. In the meantime, you’d be smart to do some prep work before I show up again—know your evacuation route, buy some storm shutters, update your insurance policy. Once I get started, I’m never sure where I’m going to end up… best to get out of the way!

Oh, and I hear there’s a conference about me going on right now. Now that we know each other, could you swing by and make sure they aren’t badmouthing me?

Get in touch and let Bankers protect you from Harvey Hurricane’s manic moods. If you’re attending the National Hurricane Conference, be sure to catch Judy Copechal, Bankers Insurance Group VP Product Manager, speaking at 1:30 today!

Have you run into Harvey Hurricane? Tell us about it in the comments or connect with us on Twitter or Facebook.

See what Harvey and his risky friends have been up to lately and follow their precarious pins on Pinterest!

All data collected from National Geographic.

Pardon me. Excuse me. After you.

I find common courtesy to be less and less common these days, don’t you? That’s why I try to be as polite as possible. Just paying it forward. And for my courtesy, occasionally personal items just happen to come my way.

Theo Theft’s the name. Some people call me Digits—I’ve got many able hands and sticky fingers for lifting windows, picking locks, prying open safes… you know, just boring business stuff. Yes, I steal for a living, but I like to think of it as society paying me for being the only chivalrous Risk around. You don’t see Felix Flood or Flint Fire helping old ladies across the street, do you? Sure, I may nab old Thelma’s house keys in the process, but an old necklace and that big television she has tuned into soap operas all day are a small price to pay for personal safety.

You’ll find my methods quite reasonable. For instance, I prefer open windows in the summertime, that way I can do as little noisy damage as possible—crowbars are just dreadful, clunky things. 9 out of 10 burglaries are preventable, anyway, so I take that to mean that 90% of my “victims” are inclined to be my benefactors.

Why else would so many people leave their valuables so vulnerable? No alarms or deadbolt locks, foregoing a safety deposit box for expensive goods, leaving all the lights off and keeping the house nice and quiet when away—these all seem like invitations to me. A Risk can’t live on courtesy alone, after all.

So good day to you, and remember: Neighborhood watches are for nosey gossips, not for upstanding, trusting homeowners with fine possessions like yourself.

Get in touch and let Bankers protect you from Theo Theft’s sly civility.

Have you run into Theo Theft? Tell us about it in the comments or connect with us on Twitter or Facebook.

See what Theo and his risky friends have been up to lately and follow their precarious pins on Pinterest!

All data collected from meettherisks.com.

Hmmmm… Good day, I suppose…

You’ll excuse me if I don’t exactly relish the thought of talking to a ground dweller. I find it hard to relate to such lesser folk, especially on a computer—I take great pleasure in lightning strikes that fry electronics without surge protectors.

I’m Sigmund Storm, and you may know me by many faces… thunder, lightning, tornadoes, sweeping wind, hail… most just know me by my cloudy disposition. “Smile more,” they tell me.

I’m responsible for 100,000 thunderstorms every year, and 10% are especially severe, with high winds, tornadoes, and flash floods—which Felix Flood always seems to get credit for. My secret weapon is hail. I cause close to $1 billion in damage to crops and property each year with hail, though I do plenty of damage with wind as well—I’ve been clocked at 300 mph, and can crash tree branches down on houses and turn lawn chairs, grills, and trash cans into stormy bullets.

Well, time for me to be rolling on—I hear there’s a town a ways down the road where it’s been sunny for weeks, and all this talking has put me in a tempestuous mood.

Get in touch and let Bankers protect you from Sigmund Storm’s turbulent temper.

Have you run into Sigmund Storm? Tell us about it in the comments or connect with us on Twitter or Facebook.

See what Sigmund and his risky friends have been up to lately and follow their precarious pins on Pinterest!

All data collected from meettherisks.com.

Gurgle gurgle… watch your step, I’ve been known to soggy up a sock or two.

The name’s Willy Water Damage, but don’t confuse me with that other swill water Risk, Felix Flood—he’s too big for his flippers these days, where as I’m still a humble Risk who does his damage with tact. Well, some tact, anyway. You may not think so once I’m soaking through your walls and bursting through your pipes, but not everyone can appreciate my intricacies.

My specialties are leaky old pipes that I can easily erupt from, but I also enjoy overflowing from hot water heaters and air conditioning, and I especially love bubbling out of dishwashers, backed up toilets and appliance supply lines.

I take particular interest in vintage home décor: If you’ve got a home that’s 30 years old or older, I’m three times as likely to show up through a plumbing supply or drain problem.

I’m the most common homeowners insurance claim, though people incorrectly seem to think that when Felix Flood comes around they’ll be protected from him under homeowners insurance as well. Felix steals my thunder more than Sigmund Storm, and that’s saying something.

Oh, would you look at the time. Wish I could stay and splash around, but you know what they say, “Another day another drip.” Gurgle gurgle…

Get in touch and let Bankers protect you from Willy Water Damage’s bubbly persona.

Have you run into Willy Water Damage? Tell us about it in the comments or connect with us on Twitter or Facebook.

See what Willy and his risky friends have been up to lately and follow their precarious pins on Pinterest!

All data collected from meettherisks.com.

Blazes, is it getting hot in here or… nope, that’s just me.

I’m Flint Fire. I’m sure you’ve seen me around now and then. I’m elemental, after all. I’m the least common Risk you’re likely to encounter, but I tend to make a sizzling first impression. On average, I’m responsible for over $20,000 in damage when I show up at your door—a small price to pay for my company, really.

I’m pretty well known as a hothead, but people often let my reputation distract them from my subtler attributes. I fill up a room with my smile, of course—and also smoke and toxic gases from anything I happen to touch.

In residences, I usually get started with a little cooking. Call me old-fashioned, but I think the kitchen is an incendiary room to get to know someone. After a nice, charred meal, I’ll spread out and relax, burning from room to room. Unfortunately one of my adversaries usually shows up when I’m really starting to enjoy myself—firefighters are always party poopers, I tell ya, and I swear they’re in cahoots with those loud-mouth smoke alarms.

You may not expect it with my bright personality, but I really hit my stride in the winter. I peak in residences in January, actually—I like to really ignite the year from the start.

Uh oh, I think I hear that arrogant Felix Flood sloshing by, better keep moving. We don’t get along too well… he tends to dampen my mood.

Get in touch and let Bankers protect you from Flint Fire’s scorching advances.

See what Flint and his risky friends have been up to lately and follow their precarious pins on Pinterest!

Have you run into Flint Fire? Tell us about it in the comments or connect with us on Twitter or Facebook.

All data collected from U.S. Fire Administration at usfa.fema.gov.

Greetings drylings! Felix Flood here, but you can call me Master Felix—it wouldn’t be overstating my abilities. I’m basically the top of the risk food chain.

I know how curious you must be about me. Who wouldn’t want to get to know a handsome risk like me? Well, my best friends are national disasters. I accompany 90% of them, and we have a lot of fun together—you know, smashing through property, ruining furniture, just typical risk-buddy stuff. I leave so much damage in my wake that flood claims are one of the most common types of claims, a stat I take particular pride in. I’m a pretty jovial guy, though—you can hear me overflowing with laughter when I hear about folks that think flood is included in home insurance. I also show up with a wave and a smile in places you wouldn’t expect me: 25% of flood claims are from low to moderate risk areas, and I’ve really been trying to spread around as much as possible. Make new friends and keep the old, they say!

Oh, my fluid physical condition? I get asked about that a lot, and I know it’s hard to get past my good looks. I change my dimensions all the time, but I make a splash in almost any size. Even when I’m just 6 inches high, I can still do over $20,000 in damage to a 1,000-square-foot home and sweep a person off their feet (though that’s nothing new). When I get up to a foot, I can slosh a car right off the road and do over $27,000 in damage to a 1,000-square-foot home! I try to stay in shape by seeping into basements with nice gyms or flooding over expensive electronics to keep my heart rate up.

No, no, I don’t do autographs, but hopefully I’ll be flowing through your town soon!

Get in touch and let Bankers protect you from Felix Flood’s wish-washy ego.

If you’d like to see what Felix and his risky friends have been up to lately, follow their precarious pins on Pinterest!

Have you run into Felix Flood? Tell us about it in the comments or connect with us on Twitter or Facebook.

*All data collected from National Flood Insurance Program figures available at FloodSmart.gov.