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Apollo Adopts RMS ExposureIQ

Apollo to strengthen exposure management practices and respond quicker to underwriter requests.

ExposureIQ + HWind Offer
ExposureIQ + HWind Offer
Respond More Rapidly This Hurricane Season

For a limited time only, get near real-time information so you can meet the decision-making and reporting needs of all your stakeholders.

Season of Flood
Season of Flood
Flood Risk Is Complex. Managing It Shouldn't Be.

Join us as we explore flood risk in iconic European cities and an examine global flood management challenges in the 21st century.

wild fire
Actionable Climate Change Analytics

Five Steps to Streamline Climate-Related Physical Risk Disclosures

Now Available: The 2021 Northern Hemisphere Tropical Cyclone Outlook
Now Available: The 2021 Northern Hemisphere Tropical Cyclone Outlook

An in-depth look at Atlantic and Western North Pacific Basin forecasts for 2021

InsuranceERM Award
InsuranceERM Award Recognizes Importance of Effective Wildfire Modeling

The RMS North America Wildfire HD Model won the InsuranceERM 2021 Americas Award for Catastrophe Risk Modeling Solution of the Year.

Our Story

RMS, a Risk Management Company at the Forefront of Risk Intelligence

At RMS, Risk Management Solutions is our name and what we’ve been building over 30 years: industry-leading risk management solutions for insurers, reinsurers, financial services organizations, and the public sector.

Our unmatched science, technology, and 300+ catastrophe risk models help (re)insurers and other organizations evaluate and manage the risks of natural and man-made disasters.

We help our customers outperform and the world become more resilient by making every risk known.

Our Solutions

Explore how RMS can help you and your business through unique product and service offerings by industry, region, or business function.


RMS provides a global view of risk for the insurance industry, financial services, public agencies, and global corporations.


RMS delivers comprehensive geographic catastrophe risk insights through our suite of models, Risk Intelligence applications, software, data solutions, and services.


RMS proprietary and tertiary data analytics support business functions keen on understanding the risks of natural and man-made catastrophes.

Insights and Agility: Risk Intelligence

RMS Risk Intelligence™ is the world’s first risk platform for industries affected by the uncertainty of natural and man-made catastrophes.

Risk Modeler
Risk Modeler

Leverage structure-based modeling and analytical tools, including intelligent model processing and big data query capabilities. 


Achieve your target portfolio by utilizing the advanced, customizable pricing and portfolio roll-up analytics direct to the property catastrophe underwriter.

Risk Data Open Standard
Risk Data Open Standard

Drive value and innovation from this new open standard, a modern data schema for risk analytics.

Location Intelligence API
Location Intelligence API

Gain better underwriting perspective with instant access to the world’s best catastrophe insights.


Manage your entire book of business more efficiently and accurately than ever before with this purpose-built solution for analyzing exposure concentrations.


Assess a location’s risk to multiple perils in seconds with this application grounded in third-party insights.

Our Services

From small to midsize and global corporations, RMS helps solve risk management challenges through our integrated consulting and solutions offering.

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Climate Change

Analytical Services

Strategic Consulting and Solution Assessment

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Model Consulting

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Deployment and Implementation

Turn Science Into Solutions

Leverage RMS long-standing commitment to deliver market-leading climate risk analytics. We can help our clients to navigate the complex landscape of climate change risks. We can deliver objective, quantitative and actionable risk insights to help client solve climate-related challenges, including:

  • Investor and stakeholder communication
  • Regulatory reporting and requirements
  • Business strategy planning
  • Risk management and stress testing

Analytical Services

Whether you need to flex resources at peak demand periods, relieve your team of excessive, routine workloads, or outsource modeling, our global team of more than 400 analysts can quickly expand your analytics capabilities.

We work in tandem with your staff, saving you time, resources, and cost, to cover workload variability, meet regulatory filing pressures, accelerate model adoption, and explore new areas of risk. It’s a complete risk modeling operation at your disposal, whenever you need it. 

Strategic Consulting and Solution Assessment

RMS consultants work to your unique requirements, exploring your specific priorities, challenges, and constraints to build a more strategic approach to catastrophe risk management. You’ll benefit from over 25 years of experience as we analyze your current risk position, identify risk opportunities and threats, and uncover the best ways to use risk models within your operations.

We can help design the right RMS solution to meet your business objectives, leveraging our data, models, software, and services to unlock value. 

Model Consulting

Whether you are starting a risk modeling operation or have deep, well-established resources, RMS consultants can advise and implement best practices across your entire operation. We provide analysis and guidance on the best use of RMS model IP, including embedding model output successfully in your workflow, best-practice model validation, and how to customize the models to your specific business.

Deployment and Implementation

We have helped hundreds of organizations deploy risk models and software solutions on-premises or in the cloud. Our experts save you time and resources by ensuring you only pay for the skills you need for the duration of the deployment. We can customize RMS software to implement within your business, so you can experience the benefits faster. And we work collaboratively to ensure your projects align with business objectives from custom development and change management to system integration.

Our Models and Risks

RMS has over 200 peril models in nearly 100 countries enabling insurers, reinsurers and other organizations to quantify the potential magnitude and probability of economic loss from catastrophe events.



Agriculture Models

Manage risk in growing and evolving agricultural markets in Asia-Pacific across all key coverages and schemes with the RMS India and China Agricultural Models.  


Builders Risk

Builders Risk

Capture the changing value and vulnerability of the builders risk class of property insurance across different phases of construction projects.


Climate Change

Climate Change Models

Improve your near and long-term climate change risk outlook with new catastrophe models.



Cyber Models

Quantify both affirmative and silent cyber risk to take advantage of market opportunity with the RMS probabilistic cyber catastrophe risk model.


Cyclone, Hurricane, and Typhoon

Cyclone, Hurricane, and Typhoon Models

Assess tropical cyclone risk to inform sound underwriting, portfolio management, and risk transfer decisions.  



Earthquake Models

Get the most informed view of earthquake risk possible with comprehensive coverage of seismically active regions across five continents.



Flood Models

Access broad-scale, well-validated views of flood risk to gain necessary insights into the range of commercial opportunities associated with various flood markets.


Industrial Facilities

Industrial Facilities Model

Better understand the risk profile of industrial and energy facilities where a high percentage of value is associated with machinery, equipment, and stock rather than structures.




Tap into life and health industry risk analytics that blend best-practice actuarial techniques with medical science.


Marine Cargo and Specie

Marine Cargo and Specie

Estimate potential losses and risks using a vulnerability model custom-tailored to the uniqueness of the cargo and specie lines of business.


Offshore Platform

Offshore Platform

Model hurricane damage to offshore platforms, rigs, wells, and pipelines throughout the Gulf of Mexico.


Severe Convective Storm

Severe Convective Storm Models

Move to a complete view of severe convective storm risk and improve profit margins using models that help more accurately assess severe weather risk.



Terrorism Models

Make better risk-based decisions with loss metrics for property and workers’ compensation lines using industry-leading terrorism models. 



Wildfire Models

Leverage unprecedented detail on loss outcome ranges for U.S. locations or portfolios to better manage and price wildfire risk. 



Windstorm Models

Gain insights across 15 European countries to understand the significant tail risk from a complex peril that drives solvency.



Winterstorm Models

Manage snow, ice, freeze, and winter wind risk with the RMS® North America Winterstorm Model and reduce your share of billions in annual industry losses.


Workers' Compensation

Workers' Compensation Models

Enabling portfolio managers and underwriters to capture the correct exposure, manage, and transfer catastrophic workers’ compensation risk.

Industry Leadership

cyber consulting services

Quantifying Cyber Exposure Risk

“As pressure from regulators mounts and cyberattacks become more common, it is imperative to understand where silent cyber exposure can be found, and how much it could cost you.”

Rowenna McGill

Senior Analyst, RMS Consulting

Karen White

Resilience Through Risk Management

“Our mission is to create a more resilient and sustainable global society through a better understanding of catastrophic events. 

From earthquakes, hurricanes, and floods to terrorism and pandemics, we help financial institutions and public agencies understand, quantify, and manage risk.”

Karen White

Chief Executive Officer, RMS

Risk Data Open Standard

Industry Collaboration for a Better Risk Data Standard

“The Risk Data Open Standard (RDOS) has been constructed to hold the entire set of information that supports the analysis of any risk. This new open standard has the potential to fundamentally alter how the market interacts with exposure data.”

Ryan Ogaard

SVP, RMS Product Management

RMS Innovations

Market Leaders Recognize RMS Innovation

  • Risk Modeler of the Year Award, Reactions, 2018, 2019, 2020
  • Risk Modeler of the Year, Insurance Asia News Awards for Excellence, 2020
  • Insurance Innovation of the Year Award, 2019
  • Risk and Resilience Award (Partnership with Build Change – Colombia), British Insurance Award, 2019
  • Initiative of the Year (U.S. Inland Flood HD Model), Trading Risk Award, 2019

60 Trillion Data Points

in RMS Location Intelligence API

120 Countries

covered by RMS models and data products

18 Million Simulated Fires

in RMS Wildfire Model

Over 50% of RMS model developers are PhDs from the world’s top universities

Over 1,000

RMS models and data products

News and Insights

Infectious Disease Modeling
link Publication
Infectious Disease Modeling

Examine the science behind pandemic risk assessment

New Updates to Risk Modeler
link Blog
New Updates to Risk Modeler

HD Models for Japan, Europe and the U.S. Available on Risk Modeler

Japan Flood and Typhoon Risk Models
link Blog
Japan Flood and Typhoon Risk Models

Differentiate between modeled flood losses for typhoon-driven inland flood, typhoon-driven coastal flood and non-typhoon flood loss.

Total Insured Losses from Hurricane Isaias
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Total Insured Losses from Hurricane Isaias

For the U.S., this estimate includes wind, storm surge, and inland flood losses across parts of the Southeast, Mid-Atlantic, and Northeast regions.

Karen White
link News
CEO Karen White Named One of Top CEOs for Women

RMS CEO Karen White was named in Comparably’s 25 Best CEOs of 2020, ranked by female employees for leadership, effectiveness, and inclusion.

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RMS Is Now a Part of Moody’s Analytics  Read More or See Press Release

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