Risk Lookups

Includes ESDB, Loss Cost, and Risk Score data products.


The ExposureSource Database (ESDB) compiles comprehensive building attribute data based on a combination of analytics, validation heuristics, and industry exposure data.

ESDB data products support a wide variety of applications including the validation and enrichment of location exposure data. ESDB data products are available for locations in the United States only.

Using the ESDB, you can both assess and enhance the quality of your current exposure data and provide a solid foundation where no data exists.

Loss Cost

A loss cost analysis calculates the loss cost of a location for a catastrophe event based on an RMS peril model. Loss cost represents the sum of the projected annualized losses for a location. Using loss cost projections, you can determine whether the premium on a location is sufficient to cover a risk.

Location Intelligence APIs enable loss cost analysis using seven different peril models: flood, windstorm, earthquake, terrorism, convective storm, winterstorm, and cyclone.

Each peril model characterizes the vulnerability of a geolocation to a specific peril based on Detailed Loss Module (DLM) analysis. Leveraging pre-compiled catastrophe simulations, the platform returns an annualized loss for a location that is based on the projected losses from every simulated catastrophe event multiplied by the annual rate (probability) of the hazards causing that loss.

The sum of the annualized losses at each location produces the lost cost for that location, which is normalized by the exposure to yield the annualized loss rate (ALR). The model returns ALR calculations for buildings, contents, and business interruption coverages.

Risk Score

An RMS Risk Score is a number that represents the calculated risk of a location based on the results of a simulated catastrophe event.

Risk scores may be used for screening, selecting, and triaging locations in underwriting scenarios. Risk scores replace older approaches based on historical hazard data to better estimate the real risk to a geolocated site.

You can calculate the risk score for a geocoded location using Location Intelligence Risk Lookup services. Risk scoring services return a risk score for a location.