Risk Zoning

Risk zoning is the process of identifying and screening locations based on a look up of hazard data. A risk zone is an area that is affected by a particular hazard (flooding, landslides and subsidence, terrorist activity, seismic activity).

Risk zoning is ideal for the screening and triaging of submissions. Using Location Intelligence APIs and RMS hazard data, you can quickly determine whether a geocoded location is in a high-risk zone for a particular hazard and make underwriting decisions depending on the proximity of the hazard to a location, or the frequency and severity of hazardous events within a risk zone.

For each operation, the Location Intelligence API provide access to different versions of RMS data products, which are specified in the endpoint path.

Flood depth lookup

A flood depth lookup identifies risk zones based the severity of flooding in an area.

The POST /us_fl_depth/latest requests flood depth data for the specified location using the latest version of the data product. The data product (us_fl_depth) and version (latest) are specified in the endpoint path.

All other parameters are specified in the request body.

{
  "location": {
    "address": {
      "countryCode": "US",
      "countryScheme": "ISO2A",
      "countryRmsCode": "US",
      "admin1Code": "FL",
      "latitude": 28.514108,
      "longitude": -81.37189,
      "rmsGeoModelResolutionCode": 1
    },
    "characteristics": {},
    "coverageValues": {}
  },
  "layerOptions": {
    "lookup": "floodDepth"
  }
}

The layerOption object enables you to specify risk zoning layer attributes that define the parameters of the lookup.

A successful response returns a 200 status code and flood data.

{
    "depthInlandDef100yr": 5,
    "depthInlandUndef1000yr": 6,
    "depthInlandDef50yr": 3,
    "depthInlandUndef50yr": 5,
    "depthInlandUndef200yr": 6,
    "depthInlandUndef100yr": 5,
    "depthInlandDef250yr": 6,
    "depthInlandUndef500yr": 6,
    "status": "FLOODED",
    "depthInlandUndef250yr": 6,
    "depthInlandDef500yr": 6,
    "depthInlandDef30yr": 3,
    "depthInlandUndef30yr": 4,
    "depthInlandDef1000yr": 6,
    "depthInlandDef200yr": 6
}

Terrorism lookup

A terrorism lookup identifies risk zones based on the risk of terrorism in an area.

The POST /us_tr_distance_to_target/latest resource looks up terrorist threat data for the specified location using the latest version of the US Distance to Terrorism data product. The data product (us_tr_distance_to_target) and version (latest) are specified in the endpoint path.

All other parameters are specified in the request body. The address object specifies data that identifies the geolocation of the site. The layerOptions object specifies the size of the risk zone.

{
  "location": {
    "address": {
      "countryCode": "US",
      "countryScheme": "ISO2A",
      "countryRmsCode": "US",
      "latitude": 31.810899,
      "longitude": -106.53353,
      "rmsGeoModelResolutionCode": 1
      } 
  },
  "layerOptions": {
    "proximityDistance": 5000,
    "distanceUnit": "feet"
    } 
}

A successful response returns a 200 status code and flood data.

{
    "targets": [
        {
            "id": 23840,
            "name": "FBI El Paso Field Office",
            "city": "El Paso",
            "admin1Code": "TX",
            "category": "Government Building",
            "score": "f",
            "distance": 1988.17
        }
],
    "distanceUnit": "feet"
}

Wet or dry lookups

A wet or dry lookup identifies risk zones based on wetness.

The POST /us_fl_depth/latest requests flood depth data for the specified location using the latest model. The data product (eu_fl_depth) and version (latest) are specified in the endpoint path.

All other parameters are specified in the request body. The location object specifies data that identifies the geolocation of the site. The layerOptions object specifies the lookup type.

{
  "location": {
    "address": {
      "countryCode": "GB",
      "countryScheme": "ISO2A",
      "countryRmsCode": "GB",
      "latitude": 54.988537,
      "longitude": -2.138128,
      "rmsGeoModelResolutionCode": 1
    },
    "characteristics": {},
    "coverageValues": {}
  },
  "layerOptions": {
    "lookup": "wetOrDry"
  }
}

A successful response returns a 200 status code and flood data.

{
    "status": "FLOODED"
}

Next steps

Congratulations! Now that you have identified the proximity of a location exposure to risk, you are ready to calculate an RMS RiskScore™ that will enable you to identify your best submissions using RMS RiskScore data products.