Location Intelligence Data

Location Intelligence data provides access to location geocoding, nearby natural and manmade hazards, property exposure attributes, peril risk scores and peril loss costs. The data is generated from the Moody’s RMS global model catalog, from trillions of data points and hundreds of data layers, covering over 100 countries and up to seven perils per region, including windstorm (hurricanes, cyclones, typhoons, convective, winter), earthquake, wildfire, flood, and terrorism.

Insurers, brokers and reinsurers leverage location intelligence data for a range of uses, but primarily to automate or accelerate their primary underwriting processes through quote issuance. Integrated into the underwriting rules processing location intelligence data is actionable information clients use to bring more efficiency and confidence into the decision-making process , including pricing, supported by factors of 1000’s of hazard and vulnerability permutations. Given the data is derived from catastrophe models, there is alignment to portfolio management results, allowing coordination between underwriting and portfolio teams. Data is used to better understand drivers of catastrophe model output for all participants in the value chain.

Location Intelligence data provides details on:

• Geocoding: Converts address information to geographic coordinates and unique identifiers as the basis for retrieving hazard, exposure, risk scoring, and loss cost data.
• Hazard and Susceptibility: Provides site-specific hazard insights to help users understand the potential risks at a location. Users can assess a location’s level of flood risk, distance to coast, earthquake shake intensity, wind risk, soil type, and more.
• Exposure Attribution: Provides property details, based on a combination of analytics, validation heuristics, and industry exposure data. Supports a wide variety of applications including enabling users to gauge the completeness and accuracy of exposure data. Available in the U.S. only.
• Risk Scoring: Provides an indication of relative peril risk, graded on a scale of 1 to 10. The score is derived by combining basic property information with the probability and impact of a catastrophic event at the requested location. Risk Scores provide a common baseline for benchmarking, rating, comparative risk assessments, pre-screening locations at submission, and identifying locations that require further underwriting action.
• Loss Costs: Provides financial metrics, also known as average annual losses (AALs), derived using Moody’s RMS models. These metrics account for hazard and vulnerability through detailed loss modeling of the peril/region under consideration. To produce an annualized loss, Moody’s RMS calculates losses from every event affecting each location and then multiply the resulting values by the annual rate (probability) of the hazard, or hazards causing that loss.

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Key Facts

Coverage: Over 20 trillion data points

Geography: Over 100 catastrophe modeled countries, across Americas, Asia, Caribbean, Europe and Oceania

Commonly Used Data Fields:

• riskScore: 100yr, 250yr, 500yr
• buildingALR: Annualized loss per $1.00 of exposure
• groundUpLoss: Average annual loss given the property exposure
• grossLoss: Average annual loss given the property exposure factoring financial terms and conditions

File Format: JSON

Delivery: API

Data Update Frequency: Annually, as models are updated

Access this data through our platforms: Intelligent Risk Platform