Natural Hazards - RCT Express®

Assess Natural Hazard Risk in RCT Express®

Mother Nature can present a real threat to your business since just a single event can send damage totals into the billions of dollars.

What if you could understand a residential property’s exposure to natural hazards in a single, automated workflow?

Leveraging our proprietary science and methodologies, we’ve integrated that capability within our residential estimating platform to make it easy for insurers to get a better picture of residential property risk from natural hazards for improved pricing and better risk distribution.

From storm and fire hazards to land-based events such as sinkholes and earthquakes, we’ve got you covered.

RCT Express natural hazards and data layers include:




Damaging Winds


Provides information relating to the risk of straight line winds, hurricane winds, tornadoes and an aggregate damaging wind risk score.

Distance to Coastline


Displays the distance to the nearest body of water along with the names of the nearest major and minor water features.

Earthquake Fault


Identifies the nearest earthquake fault and related details for the supplied address.

Earthquake Risk


Identifies the Earthquake Risk, the Modified Mercalli Intensity (MMI) Score and MMI damage potential, soil type, and liquefaction risk for the supplied address.

Elevation, Slope, Aspect (ESA)


Identifies elevation, slope, and aspect measurements for the supplied address.

Fire Protection


Provides information regarding the closest responding fire station, including: physical address, responding fire department, and department type.

Fire Protection Extended


This hazard can be used in place of the Fire Protection member above. This data provides information regarding up to the 4 closest responding fire stations, including those from mutual aid fire response areas. The data includes physical address, responding fire department and department type.


Identifies a flood hazard zone and related details for the supplied address.



Assigns a hail risk factor to the supplied address and displays the potential of a hail event occurring in a given time period.

Hail Insight™


Provides a proxy to preexisting roof damage caused by hail events, in the form of a 10-point score and is provided for the most recent and largest hail event dates. Also displayed is the hail diameter in inches at radius points from the center of the hail storm to the property.


Provides risk scores by county for tropical storms, hurricanes and intense hurricane force (category 3+) winds.

Lava Flow

Provides general lava flow hazard zones for the large island of Hawaii and depicts areas of lava flow for the five volcanoes on the island of Hawaii.

Premium Tax

Provides information on premium tax districts. The rules and taxing authorities vary by state.

Proximity to Wildland


Provides information about structure density and proximity to wildland areas.



Identifies sinkhole collapse risk, sinkhole risk value and distance to high/very high risk for the supplied address in Florida.

Tsunami Evacuation Zone


Shows planned areas of evacuation for the supplied Hawaiian address in the event of tsunami.


Assigns a fuel risk factor ranging from 1 to the supplied address and displays the distance to the nearest high or very high fuel location.

Wildfire Risk Score

Assigns a risk score ranging from 1 (lowest risk) to 100 (highest risk) to the supplied address. Wildfire risk score is a value determined by combining information from the wildfire and firebreak data sets.

Windblown Debris/Wind Speed Zone


Defines regions where wind speed is 120 mph or greater and any area within one mile of the coast where the wind speed is less than 120 mph but greater than 110 mph.



Indicates whether the supplied address falls inside or outside a windpool zone.

Wind-driven water


Assigns a storm surge risk factor for an address located in Gulf and Atlantic states. This is also referred to as hurricane driven water and storm surge.



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