Natural hazards are complex, multifaceted events with drastic effects on properties and assets. Predictive hazard analytics help you manage natural hazard risk exposure using up-to-date geographic and scientific data. Our scientists use quantitative techniques to evaluate impact probability at the property level, enabling you to account for risk exposure and determine necessary costs.
Flood Risk
We start with the industry’s most comprehensive database of digital flood maps and related data, and then continuously update the database to reflect FEMA’s most recent studies, Letters of Map Amendment and other necessary changes. We regularly review and test all data to maintain stringent quality standards.
Fire Risk
Fire Protection Class (FPC) assists insurers in fire-risk calculation for residential, commercial and public properties, based on available fire suppression capabilities. FPC is a component of CATUM, our insurance enterprise solution, providing policy lifecycle risk management. Our precise geospatial location determination and spatial analysis allow you to establish fire premiums confidently and accurately.
Earthquake Risk
The United States has averaged more than 3,000 individual earthquake events every year since 1999. Our earthquake risk database incorporates current earthquake science and information, producing a probabilistic risk database covering all 50 states. The modeled database accounts for peak ground acceleration (ground shaking), earthquake faults, geologic structure, and soil type to produce the earthquake-hazard risk estimate.
Coastal/Storm Surge
More than 53 percent of the U.S. population lives in a coastal county, where exposure to extreme weather systems is increasing annually. To reduce their risk exposure, property and casualty companies concerned about coastal exposure are implementing strategies to reduce risk—strategies that are often broad and range from statewide new-policy moratoriums, mandates against issuing policies within a certain distance of the coastline or completely pulling out of coastal areas.
Damaging Winds
Wind events account for millions of dollars in residential and commercial property damage each year. Our damaging winds dataset provides an accurate risk score and frequency for the three major types of damaging winds—straight-line, hurricane and tornado—as well as an aggregate score of all three. Utilizing NOAA's damaging wind event data from 1980 to the present, our climatological, statistical and geographic experts model point-wind observations to a 10-kilometer grid normalized by population density.
