logo image

Actionable Hazard Insight

If claims data is the black-and-white information that drives property underwriting, then hazard data is the color that adds depth. Often used as a proxy for risk, hazard data yields decision-making insight by providing discrete information about the condition of a property that may impact its loss outcome.

Hazard data can provide clues about a property’s susceptibility to loss that wouldn’t otherwise be apparent in its historical loss experience.



Leverage Our Science Expertise

Better underwriting requires better data, analysis, and expertise. RMS employs seismologists, meteorologists, and hydrologists so you don’t have to. You can use RMS Hazard Data to select, evaluate, and price catastrophe risk – bringing deep peril expertise directly to your underwriting specialists.

Ensure Data Consistency Across Departments

RMS Hazard Data is native to industry-leading RMS models and can offer valuable insights to you when analyzing risks. Applying the same data within portfolio management, reinsurance decisions, and underwriting ensures that there is a consistent basis for all decisions across the risk management process.

Gain a View of Hazard Across the World

For companies operating in different areas of the world, or those that want to expand into other parts, RMS offers hazard data across regions to help you evaluate risks broadly, save time, and gain efficiency. Whether you need to evaluate wildfire risk in California, flood risk in the United Kingdom, or earthquake risk in New Zealand, we make this possible via a very performant API.

Out-Select Competitors

Different locations often look the same on paper, but are subject to very different hazards impacting their riskiness. RMS Hazard Data can drive deep insights into the nature of the risks, enabling you to avoid adverse selection and improve risk decisions.

Hazard Data Examples

  • 250-year earthquake shake intensity
  • 100-year flood depth, defended and undefended
  • Soil condition
  • Liquefaction susceptibility
  • Flood, wind, wildfire zone

Hazard Data Examples (continued)

  • Distance to coast, earthquake fault, wildfire zone
  • Number of historical wildfires within 2, 5, 10 kilometers
  • First-floor height above ground
  • Likelihood of basement presence
  • And more

Related Solutions


Assess a location’s risk to multiple perils, loss potential, and key third-party insights in seconds with this application.

Location Intelligence API

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


Jordan Byk
Importance of High-quality Data

Jordan Byk, Senior Director of Product Management, discusses the importance of high-quality data.

Chris Sams
Purpose-built Geocoding Data

Chris Sams, Senior Product Manager, discusses the importance of purpose-built geocoding data.

Oliver Smith
Quality Data at Speed

Oliver Smith, Senior Product Manager, discusses the importance of quality data at speed.

The data difference
Exposure Magazine
The Data Difference

The value of data as a driver of business decisions has grown exponentially as the importance of generating sustainable underwriting profit becomes the primary focus for companies in response to recent diminished investment yields. Increased risk selection scrutiny is more important than ever to maintain underwriting margins. High-caliber, insightful risk data is critical for the data analytics that support each risk decision The insurance industry is in a…

20-20 vision
Exposure Magazine
Underwriting With 20:20 Vision

Risk data delivered to underwriting platforms via application programming interfaces (API) is bringing granular exposure information and model insights to high-volume risks The insurance industry boasts some of the most sophisticated modeling capabilities in the world. And yet the average property underwriter does not have access to the kind of predictive tools that carriers use at a portfolio level to manage risk aggregation, streamline reinsurance buying…

Contact Us

Learn More With a Demo

close button
Overlay Image
Video Title

Thank You

You’ll be contacted by an RMS specialist shortly.