A computer-implemented method, includes identifying, a set of insurance policyholders that have experienced water loss and a second set of insurance policyholders that have not experienced water loss. The method also includes determining an attribute indicative of increased likelihood of future water loss using a predictive model using a percentage of the first set of insurance policyholders defining a first sample size of the first set of insurance policyholders that is smaller relative to a percentage of the second set of insurance policyholders defining the second sample size of the second set of insurance policyholders. Further, the method includes identifying at least one targeted insurance policyholder having an increased likelihood of water loss, based upon the attribute and providing a water loss mitigation strategy to the at least one targeted insurance policyholder.