The RMS Industry Exposure Database (IED) is a
representation of insured values by peril and
by line of business for insured property exposure in the U.S.
For each county, RMS has developed estimates of total insured values
utilizing sampled company premium information, census demographics,
building square footage data, and representative policy terms and
conditions. Detailed population and business statistics are used to
distribute county values to ZIP Code level estimates.
The exposure database is compiled for the following
lines of business:
Residential: Single Family Dwelling, Condo,
Renters, Mobile Home
Commercial: General Commercial, General
Industrial, Multi-Family Dwelling
Auto
U.S. Industry Loss Curves
Industry Loss Curves (ILC) provide estimates of insurance
industry losses within the U.S. by peril and line of business.
The U.S. ILCs include separate modeled losses for hurricane, earthquake
and fire following earthquake, and tornado/hail analyses for the entire
U.S. They are developed for the same lines of business as the IED. These exceedance probability (EP) curves are created using the RMS
industry-wide property exposure databases and the RMS® RiskLink-DLM
catastrophe modeling software. The loss curves may be used within the
RiskLink software to determine the probability that U.S. industry-wide
losses will exceed user-defined dollar and/or event thresholds for
specific catastrophe perils.
