Know Your Hazard Risk Across Your Portfolio

Natural hazards like hail, wind, winter storms, floods and earthquakes present a real threat to property and casualty insurers. North American insured losses totaled $17 billion in 2015, the highest of all regions, with an estimated $10 billion in insured losses coming from tornado outbreaks and thunderstorms.* And in the case of Katrina, analysis 10 years later now show the total losses surmounted $80 billion.**

We help you proactively manage your natural hazard and catastrophe risk with reports and data that help you evaluate the risk of one or several properties. We can also provide a composite score of hazards associated with a single property or your entire portfolio. The models developed by our Ph.D.-level scientists answer three critical questions. What could happen? What if it happened? And what did happen?

*Swiss Re Sigma Report, 2015
**Swiss Re Natural Catastrophes and Man-made disasters in 2006, 2007

CONTACT US

Tel: (855) 267-7027

Get the Answers to Three Critical Questions

Deterministic: What Could Happen?

Determine the likelihood that a natural disaster like a flood or earthquake will impact your business with our 10 natural hazard models that give you deeper insights into the risk factors affecting your properties.

Our models even bundle those risks into user-friendly scores of 0-100 so you can more accurately assess the risk to individual policies.

Probabilistic: What If It Happened?

Know your probable maximum loss and average annual loss as a result of a catastrophe. We provide an industry best loss simulation and valuation process that ensures you get both a comprehensive and granular look at major disasters.

When natural disasters strike, we help you allocate the appropriate capital reserves.

Forensic: What Did Happen?

See the severity and location of severe weather down to a specific property within your portfolio.

Our weather verification services capture each event down to the minute, mile-per-hour and tenth of an inch over the life of a property. With it, your claims managers more confidently identify the location of incoming claims, assess for pre-existing damage and verify the presence or absence of related damage.

Data That Weathers the Storm

In 2015, there were 10 weather and climate disaster events across the U.S. with insured losses exceeding $1 billion.* As storms continue to grow in cost and frequency, it’s critical to be able to predict the impact they could have on pricing property risk.

Understanding the risk requires understanding the details, such as water flow and surrounding vegetation, to predict loss. Our models include current and historical weather events, giving you insight into the condition of properties. Don’t guess how storms have or will impact properties – know.

*NOAA Website


Storm Hazard Data Covers:

Coastal Risk and Storm Surge

Learn More

Sewer Backup Risk Score

Learn More

Winter Storm

Learn More

Flood Risk

Learn More

Severe Convection Storm

Learn More

Wind Risk

Learn More

Hail Risk

Learn More

Loss IQ

Learn More

Answer Your Burning Questions

Contrary to what you might think, fire hazards aren’t always the result of a natural occurrence. As our growing population continues to expand development, P&C portfolios are becoming more exposed to wildfire risk. In 2015, 10.1 million acres of burned in the U.S.* 

Understanding fire-related risk requires an assessment of factors such as surface composition, surrounding vegetation and distance to the responding fire station. We help carriers pinpoint their fire hazard risk and establish better policy premiums without extensive on-site visits. And should a fire occur, we can even help determine the cause.

*2015 CoreLogic® Natural Hazard Risk Summary and Analysis


Fire Hazard Data Covers:

Fire Protection

Learn More

Wildfire Risk

Learn More

Lightning Risk

Learn More

Look Beneath the Surface

According to the latest sigma study from Swiss Re, the U.S. has the most uninsured losses of any country.* Underinsurance of natural catastrophe risk has risen steadily, and the majority of it involves earthquake risk. As insurers look to close the underinsurance gap, they need to pinpoint risk to establish more adequate premiums.

We help you more accurately identify and understand risk across a portfolio in a wide variety of high-peril areas to ensure accurate and timely coverage. From a single property to an entire portfolio, you are able to evaluate the risk of one or several land-based hazards.

*Swiss Re Sigma Report, 2015


Land-Based Hazard Data Covers:

Earthquake Risk

Learn More

Sinkhole Risk and Mine Subsidence Layer

Learn More

Crime Risk

Learn More

Hazard Risk Score

Learn More

Rating Territories

Learn More

Windpool Risk

Learn More

Wind-Borne Debris

Learn More

CatBond and ILS

Learn More

Catastrophe Risk Insights Without Borders

According to the latest sigma study from Swiss Re, insurance has only covered 30 percent of the $1.8 trillion in global property damage resulting from natural disaster events over the last decade.* We provide a unique view of global catastrophe risk, with more than 181 natural hazard software models for 95 countries spanning six continents, allowing you to pinpoint your international catastrophe risk and know when to recommend additional coverage for a variety of perils.


Catastrophe Model Highlights

Asia Typhoon

Learn More

European Windstorm

Learn More

U.S. Inland Flood

Learn More

North Atlantic Hurricane

Learn More

Japan Earthquake

Learn More

U.S. Earthquake

Learn More

Hazard Data Delivered Your Way

With our flexible delivery methods, you can view the hazard exposure of your entire portfolio. You can also select specific historical events and verify weather in real time and even identify the scope and intensity of a hazard’s impact to your portfolio. And you can zoom in to view the hazards that have impacted your portfolio – even pinpointing individual locations.

Evaluate all potential loss-causing catastrophic events with Risk Quantification and Engineering (RQE), a comprehensive, full-simulation catastrophe risk modeling solution.

Get fast access to tax jurisdiction and natural hazard risk information with Xiance, an ordering and delivery platform that delivers accurate tax and natural hazard risk reports through the web.

Receive natural hazard reports via secure Internet file transmission – a highly beneficial delivery method for batch processing 100,000 files or more.

Integrate natural hazard risk, tax jurisdiction, parcel and geocoding data directly into your applications with Spatial Web Services (SWS), which connects data to a variety of platforms and programming languages using a RESTful API.

Get in-depth insights into your company’s commercial property risk – building valuations, contents replacement costs estimates, business financial health and much more – with Commercial Express, our fully integrated commercial platform.

Solve many of your workflow challenges with RCT Express, our residential risk assessment and valuation platform that defines the value and condition of structural risk via a single-screen user interface.

Discover and estimate severe weather impacts to your entire book of business with Reactor, our comprehensive storm verification and analysis solution.

Know exactly where the storm happened, how severe it was and which properties were affected with our weather verification services for hail, wind and lightning.

Make quick and accurate property risk determinations with RiskMeter Online, an on-demand, web-based insurance platform that delivers over 30 reports to give you deeper insight into storm, fire, land-based and other risks.

Insurance Services

Structure Risk and Valuation

Structure Risk and Valuation

Better Residential and Commercial Values and Risk Assessment

Learn More
Natural Hazard and Catastrophe

Natural Hazard and Catastrophe

Hazard Risk Management From Point to Portfolio™

Learn More
Roof Condition Solutions

Roof Condition Solutions

Roof Intelligence That Won’t Leave You Guessing

Learn More
Weather Verification Solutions

Weather Verification Solutions

Faster Decisions with Better, More Accurate Weather Data

Learn More