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Insurance Solutions

Formerly Moody’s RMS


Importance of Geocoding

The quality and accuracy of geocoding can make or break your model, especially when it comes to high-gradient perils such as flood, storm surge, and wildfire. A shift of a few feet can mean the difference between total loss or none at all. This makes geocoders purpose-built for insurance uses critical. Moody's Geocoder delivers relevant, accurate risk management data for your needs.


geocoding benefits

Know Where You’re Insuring

Moody's curates the accurate sources of building perimeters, points of interest, land parcels, street networks, postal codes, administrative areas, and insurance market-defined boundaries to create the most fit-for-purpose insurance geospatial reference dataset for geocoding.

Manage Data on Poor Address Quality

The geographic centroid of a postcode is irrelevant for risk management purposes if there’s no exposure in its vicinity. Moody's provides coordinates weighted to exposure density to ensure that you understand the best estimate of exposure on properties you underwrite when input addresses are of poor quality.  


Understand the Impact of Changes

Every year administrative boundaries change, postal codes are updated/retired, new street networks are created, street names are changed, and territories are redrawn. Yet, many geocoders make these updates without concern to the end-user. Moody's geospatial engineers provide detailed and thoughtful change management summaries to help you handle the impact of data changes.


Reduce Uncertainty

What if your geocoded locations are not as accurate as your match level states? False positives undermine your analytics and make inaccuracies harder to find and investigate. Moody's geospatial models provide natively calculated “confidence scores” to help eliminate false positives and easily understand how the geocoder arrived at a particular match.

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