| Introduction | |
The Risk Data Suite provides comprehensive location-based coverage of distance to coastal water, fire protection, fire risks, and flood risks faced by insurance companies.
For reference, see the Risk Data Suite Product Guide. You can download the document in PDF format from here: Risk Data Suite Product Guide.
The Risk Data Suite comprises of the following:
The U.S. Coastal Waters includes a region file of Coastal Water boundaries and their water body names within 3 miles of the coastline. This dataset is linked to Master Location data based on the nearest coastal water to it. This dataset also includes the name and type of water body that is adjacent to the coastal water body.
This dataset provides information to allow the insurance industry to easily assess the fire risk for a given location. This dataset provides the drive distance and drive times to the three closest fire stations. This dataset also can be used to determine if a given location is within an incorporated place. This is important because incorporated places have fire hydrant standards which impacts the level of fire protection provided. This dataset also includes the distance to the nearest body of water for a given location which impacts the level of fire protection in rural areas where a local water body might be used as a source of water by fire fighters.
Fire Risk Pro is a nation-wide wildfire hazard and risk assessment tool. Incorporating the predicted severity (hazard) and the predicted frequency (risk) of wildfire in a given location, Fire Risk Pro gives a comprehensive view of the danger that a structure is exposed to. This dataset provides a Risk50 score which is an overall rating on the likelihood of a wild fire at a given location. The Risk Desc provides a descriptive name for the wild fire risk at a given location. This dataset also provides many other attributes that further describe the factors that are used to calculate the Risk50 score.
Flood Risk Pro is a map database that includes digital versions of Flood Insurance Rate Maps (FIRMS), Flood Hazard Boundary Maps (FHBM), Digital Flood Insurance Rate Maps (DFIRM), Letter of Map Revisions (LOMR) and National Flood Insurance Program (NFIP) community participation maps. This dataset can be used to determine the FME flood zone for a given location.