Risk Maps

Shoreline Series: An extremely high resolution file of the United States' shoreline; the data used to create this series is taken from U.S. Coast Guard navigational charts. These files are the most accurate files available today! Ideal for insurers who are looking for better definitions of coastal boundaries.

Flood Zone Series: This series is derived from FEMA FIRM data. These maps have the real time information underwriters need in determining whether a dwelling, building, and other residential or commercial properties fall within a Special Flood Hazard Area (SFHA). Further, community data has been added to the maps to determine if the property is pre or post-firm.

Windpools Series : This series contains the boundaries that denote the areas eligible for windpool credits as defined by the Florida Windstorm Underwriting Association. Six other states participating in windpools are also included. These maps will give you an accurate, definitive answer as to what risks are eligible based upon street address.

Earthquake Series : This series is a database of both fault line as well as epicenter data for all recorded earthquakes over the past several hundred years. Developed by FEMA and private modeling companies, this data gives you the ability to investigate a property's susceptibility and exposure to seismic activity.

Mercalli (MMI) Series : For property insurers looking to evaluate potential earthquake risk, CDS Business Mapping presents the R.I.S.K. Map Mercalli Series. The R.I.S.K. Maps - Mercalli Series is a detailed GIS (geographical information system) data set of the estimated potential seismic activity for the continental US. These maps give the maximum estimated Modified Mercalli Index (MMI) score for anywhere in the continental United States.

US Quick Quake - AP Fault Zones AP Fault Zones are designated by the California Department of Mines & Geology as areas near active faults. These are areas adjacent to faults, and therefore likely to be damaged by earthquakes. This is also a requirement for disclosure on CA real estate transactions.

US Quick Quake - Landslide Zones Landslide Zones are areas identified as susceptible to landslides. Areas susceptible to landslide are identified as moderate and high risks.

US Quick Quake - Access Specifically geared for underwriters, this tool provides the local soil conditions, the name and distance to the closest fault, identification of the controlling fault, and the resulting MMI a the site. Now available for ALL 50 states & PR (Puerto Rico). Return period can be set to 100,250 or 500 year period.

US Quick Quake - Score The US Quick Quake Score is designed to give the underwriter a simple, quantitative score to evaluate the overall earthquake risk for a given location. The overall score ranges from 1(very low) to 6 (high). In addition, all information from the US Quick Quake - Access report is included. Now available for ALL 50 states & PR (Puerto Rico). Return period can be set to 100,250 or 500 year period.

CA Liquefaction/Landslide Susceptibility These very-high resolution maps were developed by the State of California to identify areas prone to landslides and liquefaction. To date, only key areas around Los Angeles and San Francisco have been mapped, with more areas to be added later. This is standard disclosure item for California real estate transactions.

US Wildfire This tool determines the likelihood of wildfire to occur. This data was created considering the effects of vegetation, relative humidity, precipitation, temperature and slope. These components are factored to develop the Wildland Fire Rating Risk Score which provides a stable metric for comparing fire risk nationwide. The data returns a value of high, moderate, low and very low.

Brush Fire Series: This series is a detailed GIS (geographical information system) data set of areas with a high susceptibility to brush fires. These maps can be used to accurately determine the susceptibility of brush fire to an individual risk or entire book of business quickly and efficiently. These maps can help insurers to avoid devastating fire losses.

CDS Wildfire Hazard Model The CDS Business Mapping Wildfire Hazard Model is the quick and accurate way for insurers to determine the potential risk of brush fire for properties in CA. Our model begins with detailed vegetation data and classifies the fuels by burn potential. The CDS Model separates potential risk into four classes, ranging from extremely low to extremely high. Insurers should use these maps to identify properties that are vulnerable to brush fires. This new product is the ideal compliment to Renie Ad Map brush fire atlases, which identify wildfire potential in 6 southern California counties (Renie data is also available from CDS). The CDS Wildfire Hazard Model will give you a complete picture of brush hazards throughout the state.

Brush Hazard : These maps are digital versions of the Renie Ad Map (Renie) Brush Fire Hazard Areas and Fire Protection Class data. By using this data with CDS's RiskMeter™ Mapping software (an automated lookup tool for property and casualty underwriters), insurers can access this information in seconds rather than minutes.

Responding Fire Districts: For insurers writing property and casualty insurance in the U.S., CDS Business Mapping presents R.I.S.K. Fire Protection Maps. An industry standard for reporting and rating new business in property and casualty industry. Using the Fire Protection Maps in conjunction with the RiskMeter, an insurer will be able to correctly locate and apply the correct fire district code to a new policy in a matter of seconds. These maps accurately reflect the boundaries of municipalities and fire district areas unlike city or zip-code based solutions.

Tornado Series : This series is a group of products for insurers to calculate potential tornado exposure. The purpose is to provide insurance companies with a relative index of the potential for tornado damage across the United States. This data is based upon historical tornado patterns from 1955-1997.

Hail Series : This series is a group of products for insurers to calculate potential hail exposure. The purpose is to provide insurance companies with a relative index of the risk of hail damage across the United States. This data is based upon the historical patterns of hail from 1955-1995.

Cresta Zones : The Cresta Zones are an international data set which combines several natural hazards such as: seismic activity, hurricanes, and wind damage susceptibility, on a worldwide scale. The purpose is to provide insurance companies with a relative measure of risk for the entire world. Also check out the CDS Cresta Coder . Find the Cresta Zone for any location worldwide!

Tax Code Maps: In certain states, certain municipalities and fire districts have setup premium taxes that must be reported by insurers. These taxes require insurers to report to the state the total premiums for each jurisdiction code. The Tax Code District Maps accurately reflect the boundaries of each jurisdiction, for both the fire and public safety jurisdictions.

Hurricane Series: Hurricanes are the most destructive events that Mother Nature throws at man. This product contains the storm tracks of historical hurricanes for the years 1886-1995. It includes both Atlantic and Pacific hurricanes. This data is a key tool for insurers to evaluate potential hurricane losses. The data also includes key hurricane metrics at various intervals during their development. These measures include hurricane name, time of reading, date of reading, wind speed, air pressure, and Saffir-Simpson hurricane scale rating.

Sinkhole Series:Sinkholes are a significant geographic hazard in central Florida, capable of swallowing houses and entire city blocks! This data set represents all reported sinkholes in the State of Florida from the years 1948 - 2001. Included are nearly 2,000 sinkholes throughout the state. This data is ideal to use for evaluating the potential risk to locations of known sinkholes in an area. The data contains the date and time of the event, and the length, width and depth of the sinkhole.

Florida Windstorm Mitigation Credit Maps:This is a set of 3 digital maps needed by insurers to meet requirements for the new Florida Windstorm Mitigation Credits program. Insurers must use these maps to apply discounts in accordance with this new mandate. Using these maps, insurers will be able to accurately apply credits simply by entering an address. Stop wasting time with manual, paper based lookups. Use these maps to streamline the underwriting process.

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