Natural Catastrophe Service

LOCATION® Natural Catastrophe Service helps you manage your exposure to loss from hurricanes, severe thunderstorms, and earthquakes. You get objective, accurate risk profiles representing every address in the continental United States at risk from those perils.

With information from ISO's subsidiary AIR Worldwide Corporation, the service provides critical factors — including risk scores and average annual loss figures — to help you make profitable underwriting decisions and manage your risk portfolio.

Here's what you get:

Hurricane data

• long-term average annual, 100-year, and 250-year loss-level info
• scores that show the risk at each location and the relative risk compared with other locations in the county and state
• physical characteristics of the risk location, including elevation and terrain
• storm-surge potential

To complement the hurricane data, LOCATION also offers Wind Services.

Severe thunderstorm data

• long-term average annual, 100-year, and 250-year loss-level info
• scores that show the risk at each location and the relative risk compared with other locations in the county and state
• tornado, hailstorm, and straight-line windstorm frequencies

Earthquake data

• long-term average annual, 100-year, and 250-year loss-level info
• scores that show the risk at each location and the relative risk compared with other locations in the county and state
• physical properties at each location, including soil type and potential for landside and liquefaction
• 100-year intensity return period (MMI)
• earthquake fault (Alquist-Priolo) zone
• distance to nearest significant fault

To complement the earthquake data, LOCATION also offers:

• LOCATION California Earthquake Zone Service — the earthquake zone and subzone, as determined by the California Department of Insurance, for every address in the state

LOCATION Natural Catastrophe Service will help you:

• manage policy concentrations
• improve your loss ratio
• develop optimal insurance and reinsurance programs
• accurately assess exposure to loss
• set accurate premiums
• enter larger markets with competitive pricing
• increase productivity

LOCATION Natural Catastrophe Service comes to you as a series of flat-file databases in convenient tab-delimited format. The service is available online or on quarterly CDs.

Want to know more?
To find out how you can get LOCATION — or to request more information — click Talk to ISO. Or call ISO Customer Service at 1-800-888-4476 or your local ISO representative.