Introduction to Location Intelligence

Make data-driven decisions based on sophisticated risk analytics


The RMS Location Intelligence APIs deliver key data and insights through RMS Risk Intelligence™, a cloud-based platform for advanced modeling and risk analytics.

Location Intelligence APIs leverage market-leading data products to deliver accurate risk assessment with minimal overhead or latency. Data products include geocoding services, hazard lookups, RMS RiskScores, and loss cost lookups.

Location Intelligence APIs integrate seamlessly into existing workflows enabling you to enhance existing policy admin systems, underwriting applications, agency portals, and spreadsheet-based workflows. With Location Intelligence, your modeling, captial management, and underwriting teams all share a common set of data sources so that everyone across the organization has a consistent view of risk throughout the risk transfer process.



Learn to geocode location exposures using the Location Intelligence APIs. Geocoding is the "gateway" to RMS risk analysis and a prerequisite for all catastrophe modelling processes. Geocoding converts the physical address of a location into a spatial reference system that can be recognized by a model.

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Hazard lookups

Improve the quality of your location data and get better, more accurate predictions using RMS hazard lookup data. Hazarding enables you to enrich a location exposure with risk data that characterizes the vulnerability of a location to a catastrophe event.

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Risk scoring

Identify the vulnerability of locations based on their risk scores. Risk scores may be used for screening, selecting, and triaging of locations in underwriting scenarios. Risk scores replace older approaches based on historical hazard data to provide you with more accurate estimations of the risk associated with geolocated sites.

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Risk zoning

Identify locations that are in risk zones for hazards. Risk zoning enables you to identify and screen 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, seismic activity.

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Lost cost pricing

Learn to price catastrophe risk using loss cost analysis. 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.

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Exposure attributes

Assess and improve the quality of exposure building attributes using the RMS ExposureSource Database (ESDB). The ESDB consists of commercial and residential building attribute data derived from third-party databases that has been validated through extensive field surveys, satellite imagery, photographs, research, and other sources.

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Postman Collection

Download a Postman Collection containing executable descriptions of Location Intelligence services.


OpenAPI specification

Discover and understand Location Intelligence API operations. Use the OpenAPI defintions to generate servers and clients in various programming languages, and testing tools.


Jupyter Notebook

Learn to use Location Intelligence services to triage and price location exposures in an interactive development environment.