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Highlights

The 2025.12.b release introduces the North America Severe Convective Storm HD Models and updates to operations that add, update, and return location properties.

• The Search Location and Get Location operations return new secondary location details.
• The Create Location and Update Location operations support new location parameters.
• The Create Location WS Peril, Update Location WS Peril, and Get Location WS Peril support new windstorm secondary modifiers for locations.
• The Create Location TO Peril, Update Location TO Peril, and Get Location TO Peril support new tornado/hail secondary modifiers for locations.

Learn More

Locations

Search Locations

The Search Locations operation (GET /riskmodeler/v1/locations ) now returns roofYear and capacity location property details.

{
    "searchTotalMatch": 36,
    "searchItems": [
        {
            "propertyReference": "Acct_LocBatch_01_Num",
            "location": {
                "property": {
                    ...,
                    "roofYear": "2016",
                    "capacity": 3.0
                },
                "address": {...}
                },
                "currency": {
                    "id": 0,
                    "code": "USD",
                    "name": "US Dollar"
                },
                "tiv": 0.0,
                "riskAssessorCurves": "",
                "maxCvgBldgValuation": 0.0
            },
            {
              ...
            }
        }
    ]
}

Get Location

The Get Location operation (GET /riskmodeler/v1/locations/{locationId} ) now returns several new location properties for the specified location.

New location properties include roofYear and capacity values in the property object, the huRoofAcvFlag in the wsDetail object, and the toRoofAcvFlag, toDmgProvision, toFlashing, toIfmStructCondition, toIfmEquipLoc, toIfmSiteHazard, toRemDesign, toRemSpec, toRemMitigation, toRemSite, toDepreciationAge in the toDetail object.

These new location details are made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

{
    "property": {
        "accountId": 1,
        "locationId": 36,
        "addressId": 36,
        ...,
        "roofYear": "2000",
        "capacity": 2.0
    },
    "wsDetail": {
        "id": 34,
        ...,
        "huRoofAcvFlag": true
    },
    "toDetail": {
        "id": 29,
        ...,
        "toRoofAcvFlag": true,
        "toDmgProvision": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toFlashing": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toIfmStructCondition": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toIfmEquipLoc": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toIfmSiteHazard": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toRemDesign": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toRemSpec": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toRemMitigation": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toRemSite": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toDepreciationAge": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        }
    },
	...,
	...
}

Create Location

The Create Location operation (POST /riskmodeler/v1/locations ) now accepts roofYear and capacity values in the request body.

These objects can be specified in the properties object:

{
    "property": {
        ...,
        "roofYear": "2009",
        "capacity": 2.0
    },
    "address": {
		...
    },
    "currency": {
        "code": "USD",
        "name": ""
    }
}

These optional parameters can be specified in the properties object:

These new location properties is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Update Location

The Update Location operation (PUT /riskmodeler/v1/locations/{locationId} ) now accepts roofYear and capacity values in the request body.

{
    "property": {
        ...,
        "roofYear": "2009",
        "capacity": 2.0
    },
    "address": {
		...
    },
    "currency": {
        "code": "USD",
        "name": ""
    }
}

These optional parameters can be specified in the properties object:

These new location properties is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Create Location WS Peril

The Create WS Peril operation (POST riskmodeler/v1/locations/{id}/locationwsdetail) creates a windstorm (WS) peril for the specified location.

This operation now accepts the huRoofAcvFlag body parameter. This parameter accepts a Boolean value. One of true or false.

{
  "huRoofAcvFlag": true
}

This new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Update Location WS Peril

The Update WS Peril operation (POST riskmodeler/v1/locations/{id}/locationwsdetail/{locaitonwsdetailId}) updates a windstorm (WS) peril for the specified location.

This operation now accepts the huRoofAcvFlag body parameter. This parameter accepts a Boolean value. One of true or false.

{
  "huRoofAcvFlag": true
}

This new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Get Location WS Peril

The Get WS Peril operation (GET riskmodeler/v1/locations/{locationId}/locationwsdetail/{locationwsdetailid}) returns details about windstorm (WS) peril for the specified location.

This operation now returns the huRoofAcvFlag body parameter. This parameter accepts a Boolean value. One of true or false.

This new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Create Location TO Peril

The Create TO Peril operation (POST riskmodeler/v1/locations/{id}/locationtodetail) creates a tornado/hail (TO) peril for the specified location.

This operation now accepts the toDepreciationAge, toDmgProvision, toFlashing, toIfmEquipLoc, toIfmSiteHazard, toIfmStructCondition, toRemDesign, toRemMitigation, toRemSite, toRemSpec, and toRoofAcvFlag body parameters.

{
    ...,
    "toRoofAcvFlag": true, -
    "toDmgProvision": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toFlashing": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toIfmStructCondition": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toIfmEquipLoc": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toIfmSiteHazard": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toRemDesign": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toRemSpec": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toRemMitigation": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toRemSite": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toDepreciationAge": {
        "id": 1,
        "code": "",
        "name": ""
    }
}

These new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Update Location TO Peril

The Update TO Peril operation (PUT /riskmodeler/v1 /locations/{id}/locationtodetail/{locationtodetailid}) updates a tornado/hail (TO) peril for the specified location.

This operation now accepts the toDepreciationAge, toDmgProvision, toFlashing, toIfmEquipLoc, toIfmSiteHazard, toIfmStructCondition, toRemDesign, toRemMitigation, toRemSite, toRemSpec, and toRoofAcvFlag body parameters.

These new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Get Location TO Peril

The Update TO Peril operation (GET /riskmodeler/v1 /locations/{id}/locationtodetail/{locationtodetailid}) returns tornado/hail (TO) peril details for the specified location.

This operation now returns the toDepreciationAge, toDmgProvision, toFlashing, toIfmEquipLoc, toIfmSiteHazard, toIfmStructCondition, toRemDesign, toRemMitigation, toRemSite, toRemSpec, and toRoofAcvFlag body parameters.

These new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models:on

Reports

Get Report

The Get Report operation (GET riskmodeler/v1/reports/{reportId}) returns the specified exposure summary report.

An exposure summary report is a collection of reports that return exposure-specific metrics and statistics. The exposure summary report is generated automatically whenever an UnderwriteIQ client creates exposures in batch.

This operation now returns the ACCUMULATIONS_BY_TREATY and supports filtering by this metricType:

curl --request GET \
     --url https://api-euw1.rms.com/riskmodeler/v1/reports/189645?metricTypes=ACCUMULATIONS_BY_TREATY \
     --header 'accept: application/json'

This operation requires the RI-UNDERWRITEIQ entitlement.

North America Severe Convective Storm HD Models

The new Moodyʼs RMS North America Severe Convective Storm HD Models (HDv1.0) represent a significant advancement in risk modeling for tornado, hail, and straight-line wind perils across the contiguous United States.

Version HDv1.0 includes the United States, and version HDv1.1 to be released in 2026 will expand coverage to southern Canada. These models address the rapidly increasing losses from severe convective storms, which have recently surpassed hurricanes as the leading cause of insured losses in North America. Key drivers of this trend include urban expansion, rising construction costs, the proliferation of vulnerable building components, and evolving claims practices. The HD models are designed to help insurers and reinsurers better understand and manage these escalating risks by providing more accurate, high-resolution assessments.

Leveraging the latest scientific data and advanced computational techniques, the HD models introduce innovations such as location-coverage level simulation, temporal modeling of hazard events, and a recalibrated vulnerability framework. The models incorporate extensive meteorological and claims data, enabling a more realistic representation of both frequent and severe events. By delivering transparent, granular risk insights, the HD models empower insurers to make informed decisions, optimize risk management strategies, and enhance resilience in the face of increasingly severe convective storm activity.

New Location Schema Objects

Updates to the Location op are accepted in the request body, namely:

roofYear

The roofYear

capacity

The capacity

toRoofAcvFlag

The toRoofAcvFlag property defines a boolean value that represents a secondary modifier.

toDmgProvision

The toDmgProvision object defines an exposure value that represents a secondary modifier.

toFlashing

The toFlashing object defines an exposure value that represents a secondary modifier.

toIfmStructCondition

The toIfmStructCondition object defines an exposure value that represents a secondary modifier.

toIfmEquipLoc

The toIfmEquipLoc object defines an exposure value that represents a secondary modifier.

toIfmSiteHazard

The toIfmSiteHazard object defines an exposure value that represents a secondary modifier.

toRemDesign

The toRemDesign object defines an exposure value that represents a secondary modifier.

toRemSpec

The toRemSpec object defines an exposure value that represents a secondary modifier.

toRemMitigation

The toRemMitigation object defines an exposure value that represents a secondary modifier.

toRemSite

The toRemSite object defines an exposure value that represents a secondary modifier.

toDepreciationAge

The toDepreciationAge object defines an exposure value that represents a secondary modifier.