GeoEnrichment Risk Data

Crime Index

GeoEnrichment Risk Data provides comprehensive location-based coverage of distance to coastal boundaries, property fire protection, wildfire risk, and flood risks faced by insurance companies. This information is pre-processed so that a user can immediately access the information with a pbKey™ from a geocoded address or US Address Fabric record.

For reference, see the GeoEnrichment Risk Data Product Guide. You can download the document in PDF format from GeoEnrichment Risk Data Product Guide.

GeoEnrichment Risk Data consists of the following:

CrimeIndex data measures the likelihood of where crime may occur by 11 crime types for all block groups in the US and Puerto Rico. Pitney Bowes Software defines crime according to Federal Bureau of Investigation (FBI) definitions for crime. Specific crime variables measured are:

Overall crime (a composite measure based on all crime types)

Violent crime, which is composed of the following offenses:

  • Murder
  • Rape
  • Robbery
  • Aggravated Assault

Property crime includes the offenses of

  • Burglary
  • Larceny/Theft
  • Motor Vehicle Theft
  • Arson

Each crime variable includes both a numerical score – where higher values denote the increased likelihood of criminal activity – and a qualitative categorization that helps explain the numerical crime score probability.

Distance to Coast

U.S. Coastal Waters includes a region file of coastal water boundaries and water body names within 3 miles of the coastline. This dataset is linked to Location data based on the nearest coastal water. This dataset also includes the name and type of water body connected to the coastal water body to account for hurricane storm surge.

Earthquake

This dataset provides information to easily determine the earthquake-related information for a given location. The attributes include information from following earthquake related features:

  • Aggregate Earthquake Event Information: Contains aggregate earthquake event data in the United States. R numbers correspond to the magnitude scale.
  • Earthquake Fault Lines: Depicts location of the fault lines
  • Earthquake Fault Zones: Defines a 1/4 mile buffer around each fault line
  • Soil Classifications: Presents information on soil type which affects the amplification of ground motion.
  • California PML Zones: Probable maximum loss, which is the expected insured loss after deductible, for areas in the state of California.

Wildfire Risk

Wildfire Risk 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. Wildfire Risk gives a comprehensive view of the danger that a structure is exposed to. This dataset provides which is an overall rating of the likelihood of a wildfire at a given location. It also provides a descriptive name for the wildfire 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.

These attributes include information about where there has been extensive bark beetle kill and previous wildfire burn perimeters from the past year.

Flood Risk

Flood Risk 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. Dataset can be used to determine the flood zone for a given location.

Property Fire Protection

Property Fire Protection provides information to allow the insurance industry to easily assess the structure fire for a given location. This dataset provides the drive distance and drive times to the three closest fire stations. It can also be used to determine if a given location is within an incorporated place. This is important because incorporated places have fire hydrant standards, which impact the level of fire protection provided. 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 body of water might be used as a water source by fire fighters.

Premium Tax

Pitney Bowes Insurance Premium District data is used by the insurance industry to determine sales tax on insurance premiums written in some states. This allows insurers to correctly determine the rate due on each insurance policy. Pitney Bowes Insurance Premium District data is for use with Pitney Bowes geocoding and spatial technology.