Overview

Enhanced Risk Data is a collection of property- and peril-specific data layers that enable Intelligent Risk Platform tenants to improve the quality of location exposure. These hazard layers deliver actionable insights into loss drivers and portfolio risks.

The Geohaz API exposes operations that enable the client to look up hazard data for the specified account or portfolio, Depending on the hazard layer specified, the hazard lookup job will enrich relevant location exposures with hazard metrics, enriched exposure data, or risk scores.

Licensing

Enhanced Risk Data requires an additional license. To learn more, see Moody’s enhanced risk data: Enabling seamless access to catastrophe model insights in the Intelligent Risk Platform

Enhanced Risk Data hazard layers

Licensed Enhanced Risk Data is made available through hazard layers. These hazard layer can be used in hazard lookup workflows. Depending on the data layer, the Enhanced Risk Data layer may return hazard data, enriched exposure data, or risk scores:

• Enriched exposure includes data about about properties (e.g. building attributes) in a particular region, which can be used to assess the quality of location exposure data, or enrich the quality of location data.
• Hazard metrics measure the impact of a peril (e.g. floods, earthquakes, hurricanes, wildfires) at locations within a particular region. Hazard data is collected in peril- and region-specific data products.
• A risk score is a value between 1 (low risk) and 10 (very high risk) that represents the relative risk a location has to a particular peril. Risk scores are based on MDR (mean damage ratio) or AAL (average annual loss) results from big data catastrophe simulation. Risk scores are more insightful for decision making than existing approaches based on historical hazard data and can be used for screening, selection, and triaging.

The table identifies Enhanced Risk Data hazard layers that are supported in the Geohaz API.

The first two columns identify the hazard layer as it is named in the Risk Modeler application and Risk Modeler documentation. The final three columns identify these hazard layers as they are identified in the Geohaz API by name, engineType, and version. All three of these parameters must be specified in a Create Geohaz request.

Enriched Exposure Data

Enriched exposure data is a type of data layer that collects peril-specific exposure data, about properties (e.g. building attributes) in a particular region, which can be used to assess the quality of provided data, or enrich the quality of provided data.

Earthquake: Distance to Fault

The Earthquake: Distance to Fault layer (distance_to_fault) consists of "US-only hazard data that provides the distance from a site's location to the closest five faults. Ground motion intensity attenuates with distance traveled from the event seismic source to the site. Moodyʼs models compare the distance from the latitude/longitude coordinates of a location to known faults in seismic source models for these calculations.

Available for the United States only.

This data layer can be used to define hazard jobs using the HD engine.

Earthquake: MMI

The Earthquake: MMI layer (mmi) is "Subjective scale used to describe the observed local shaking intensity and related effects of an earthquake. Ranges from I (barely felt) to XII (total destruction). Slight damage begins at VI."

The operation assesses earthquake risk for exposures over an array of return periods using the Modified Mercalli Intensity (MMI) scale. For each return period the service returns a measurement of seismic intensity ranging between 1 (not felt) and 12 (extreme risk) enabling the user to understand the implications of earthquake risk in United States.

Available for the United States, Mexico, Canada, China, Europe (Andorra, Austria, Belgium, Bulgaria, France, Germany, Greece, Hungary, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Portugal, Romania, Slovenia, Spain, Switzerland, Turkey, United Kingdom), Central and South America (Argentina, Bolivia, Brazil, Colombia, Ecuador, Peru, Venezuela, Chile), Belize, El Salvador, Costa Rica, Guatemala, Honduras, Nicaragua, Panama

This data layer can be used to define hazard jobs using the HD engine.

Earthquake: Subsidence

The Earthquake: Subsidence layer (subsidence) consists of hazard data that provides information about the gradual settling or sudden sinking of the earth's surface owing to subsurface movement or depletion of earth materials.

Available for the locations in the United States only. This data layer can be used to define hazard jobs using the HD engine.

Flood: Depth

The Flood: Depth layer (fl_depth) initiates a GEOHAZ job using a version of the Flood Depth data product.

In Moodyʼs US Inland Flood HD model, the US flood hazard data provides banded flood depths from "no flooding" to "greater than 12-feet" of flood risk, to enable you to develop underwriting guidelines in line with risk appetite.

This is a separately licensed data product that retrieves inland flood depths for specific return periods for both defended and undefended scenarios. Use this data for US locations only to validate the US Inland Flood HD Model and further understand your flood risk. This flood hazard data is not required for running the model and is not available for other countries.

Available for the United States, Europe (Austria, Belgium, Czech Republic, France (inc. Monaco), Germany, Hungary, Italy, Ireland, Luxembourg, Poland, Slovakia, Switzerland (inc. Liechtenstein), United Kingdom), New Zealand, Global

This data layer can be used to define hazard jobs using the HD engine.

Flood: Global Depth

The Flood: Global Depth layer (global_fl_depth)

The global_fl_depth option initiates a GEOHAZ job using a version of the Global Flood Depth data product.

This data layer can be used to define hazard jobs using the HD engine.

FEMA Flood FIRM

The FEMA Flood FIRM data layer collects data published by the Federal Emergency Management Authority (FEMA), which represent the the primary method that emergency planners and some insurers gauge flood risk.

RMS has digitized these maps to enable side-by-side comparison of their outputs with much higher resolution flood analytics. This will enable insurers to identify the best business out of the National Flood Insurance Plan (NFIP).

This data layer can be used to define hazard jobs using the HD engine.

Windstorm: Windpool Zone

The Windstorm: Windpool Zone data layer (ws_windpool_zone) contains hazard data that identifies coastal areas eligible for participation in state-sponsored insurance pools in hurricane-exposed US states.

Individual states established the windpools to ensure availability of insurance to property owners in high-risk coastal areas. Moodyʼs defines the following as US hurricane States: Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, Vermont, Washington DC, Delaware, Georgia, Maryland, New Jersey, North Carolina, Pennsylvania, South Carolina, Virginia, West Virginia, Florida, Alabama, Louisiana, Mississippi, Texas, and Hawaii.

This data layer can be used to define hazard jobs using the HD engine.

Windstorm: Distance to Inner Coast

The Windstorm: Distance to Inner Coast data layer (distance_to_inner_coast) represents an effective "distance-to-water" metric that includes rivers that flow inland and minor tributaries.

It gauges surge risk particularly for damage caused by storm surges, which can penetrate inland as the water is pushed into bays and estuaries. Complements distance-to-coast data, providing an effective distance to "open water".

Available for the United States. This data layer can be used to define hazard jobs using the HD engine.

Hazard Data

Hazard data is a dataset that measures the impact of a peril (e.g. floods, earthquakes, hurricanes, wildfires) at locations within a region or country. Hazard data is collected in a peril- and region-specific data product called a hazard layer.

Flood

The Flood layer (fl_hazard ) option initiates a GEOHAZ job using a version of the Flood Hazard data product.

This data layer can be used to define hazard jobs using the HD engine.

Wildfire: Model Hazard

The Wildfire: Model Hazard layer (wf_model_hazard) contains hazard data used by the North America Wildfire HD models including distance to vegetation, fuel type, and slope hazard data.

Available for location exposures in the United States and Canada.

This data layer can be used to define hazard jobs using the HD engine.

Wildfire: Supplemental Hazard

The Wildfire: Supplemental Hazard layer (wf_supplemental_hazard) contains supplemental hazard data including Distance to CAL FIRE zones, distance to Wildland Urban Interface, historical fire activity, stochastic burn probability, and urban conflagration hazard data.

Available for location exposures in the United States. This data layer can be used to define hazard jobs using the HD engine.

Windstorm: Model Hazard

The Windstorm: Model Hazard data layer (ws_model_hazard) option initiates a GEOHAZ job using a version of the Windstorm Hazard data product.

This data layer can be used to define hazard jobs using the HD engine.

Risk Scores

A risk score is a value between 1 (low risk) and 10 (very high risk) that represents the relative risk a location has to a particular peril. Risk scores are based on MDR (mean damage ratio) or AAL (average annual loss) results from big data catastrophe simulation. Risk scores are more insightful for decision making than existing approaches based on historical hazard data and can be used for screening, selection, and triaging.

Convective Storm: Risk Scores

The Convective Storm: Risk Scores layer (cs_risk_score) contains pre-calculated risk scores for earthquakes that are derived from simulated catastrophe event using probabilistic models. A risk score is a value between 1-10 that represents the projected risk to a location exposure.

The job calculates risk score metrics for exposures based on their location and building attributes using the Earthquake Risk Score data product. Using risk score metrics, you can evaluate both the severity of the hazard at a particular location and the vulnerability of buildings to that hazard based on their building attributes (characteristics).

This layer can be used for location exposures in North America (United States, Canada) and Europe (Austria, Belgium, Czech Republic, Slovakia, Italy, Switzerland, Luxembourg, Ireland, Poland, Slovenia, United Kingdom, Netherlands, Germany, Liechtenstein, Denmark, France, Norway).

This data layer can be used to define hazard jobs using the HD engine.

Earthquake: Risk Scores

The Earthquake: Risk Scores layer (eq_risk_score) contains pre-calculated risk scores for earthquakes that are derived from simulated catastrophe event using probabilistic models. A risk score is a value between 1-10 that represents the projected risk to a location exposure.

The job calculates risk score metrics for exposures based on their location and building attributes using the Earthquake Risk Score data product. Using risk score metrics, you can evaluate both the severity of the hazard at a particular location and the vulnerability of buildings to that hazard based on their building attributes (characteristics).

This layer can be used for location exposures in: United States, Canada, Central & South America (Argentina, Bolivia, Brazil, Colombia, Ecuador, Peru, Venezuela, Chile), Belize, El Salvador, Costa Rica, Guatemala, Honduras, Nicaragua, Panama, Europe (Andorra, Austria, Belgium, Bulgaria, France, Germany, Greece, Hungary, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Portugal, Romania, Slovenia, Spain, Switzerland, Turkey, United Kingdom), Australia, Caribbean (Anguilla, Antigua, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Puerto Rico, St Kitts & Nevis, St Lucia, St Vincent & the Grenadines, Trinidad & Tobago, US Virgin Islands), Southeast Asia (Indonesia, Malaysia, Vietnam, Singapore, Thailand, Philippines), Taiwan, India, South Korea

This data layer can be used to define hazard jobs using the HD engine.

Flood: Risk Scores

The Flood: Risk Scores layer (fl_risk_score) contains pre-calculated risk scores for earthquakes that are derived from simulated catastrophe event using probabilistic models. A risk score is a value between 1-10 that represents the projected risk to a location exposure.

"Single number on a 1-10 scale (1 (low risk) to 10 (very high risk)) that represents the relative risk a location has to a particular peril. Risk scores are based on MDR (mean damage ratio) or AAL (average annual loss) results from big data catastrophe simulation. Risk Scores are more insightful for decision making than existing approaches based on historical hazard data and can be used for screening, selection, and triaging."

The job calculates risk score metrics for exposures based on their location and building attributes using the Earthquake Risk Score data product. Using risk score metrics, you can evaluate both the severity of the hazard at a particular location and the vulnerability of buildings to that hazard based on their building attributes (characteristics).

Available for the United States, Europe (Austria, Belgium, Czech Republic, France (inc. Monaco), Germany, Hungary, Italy, Ireland, Luxembourg, Poland, Slovakia, Switzerland (inc. Liechtenstein), United Kingdom), India

This data layer can be used to define hazard jobs using the HD engine.

Terrorism: Risk Scores

The Terrorism: Risk Scores layer (tr_risk_score) contains pre-calculated risk scores for earthquakes that are derived from simulated catastrophe event using probabilistic models. A risk score is a value between 1-10 that represents the projected risk to a location exposure.

The job calculates risk score metrics for exposures based on their location and building attributes using the Earthquake Risk Score data product. Using risk score metrics, you can evaluate both the severity of the hazard at a particular location and the vulnerability of buildings to that hazard based on their building attributes (characteristics).

This data layer can be used to define hazard jobs using the HD engine.

Wildfire: Risk Scores

The Wildfire: Risk Scores layer (wf_risk_score) contains pre-calculated risk scores for earthquakes that are derived from simulated catastrophe event using probabilistic models. A risk score is a value between 1-10 that represents the projected risk to a location exposure.

The job calculates risk score metrics for exposures based on their location and building attributes using the Earthquake Risk Score data product. Using risk score metrics, you can evaluate both the severity of the hazard at a particular location and the vulnerability of buildings to that hazard based on their building attributes (characteristics).

Available for location exposures in the United States. This data layer can be used to define hazard jobs using the HD engine.

Windstorm: Risk Scores

The Windstorm: Risk Scores layer (ws_risk_score) contains pre-calculated risk scores for earthquakes that are derived from simulated catastrophe event using probabilistic models. A risk score is a value between 1-10 that represents the projected risk to a location exposure.

The job calculates risk score metrics for exposures based on their location and building attributes using the Earthquake Risk Score data product. Using risk score metrics, you can evaluate both the severity of the hazard at a particular location and the vulnerability of buildings to that hazard based on their building attributes (characteristics).

Available for the United States, Europe (Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Ireland, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Slovakia, Sweden, Switzerland, and United Kingdom), Australia, the Caribbean (Aruba, Antigua and Barbuda, Anguilla, Barbados, Bermuda, Bahamas, Cayman Islands, Cuba, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Montserrat, Saint Martin, Puerto Rico, St Kitts and Nevis, Saint Lucia, Saint Barthelemy, Trinidad and Tobago, Turks and Caicos Islands, Saint Vincent and the Grenadines, British Virgin Islands, US Virgin Islands, Sint Maarten, St. Eustatius, Saba, Curacao, Bonaire), Canada, Taiwan, South Korea, Philippines

This data layer can be used to define hazard jobs using the HD engine.

Winterstorm: Risk Scores

The Winterstorm: Risk Scores layer (wt_risk_score) contains pre-calculated risk scores for earthquakes that are derived from simulated catastrophe event using probabilistic models. A risk score is a value between 1-10 that represents the projected risk to a location exposure.

The job calculates risk score metrics for exposures based on their location and building attributes. Using risk score metrics, you can evaluate both the severity of the hazard at a particular location and the vulnerability of buildings to that hazard based on their building attributes (characteristics).

Available for the United States and Canada. This data layer can be used to define hazard jobs using the HD engine.