Risk and Perils Data

A portfolio of geo-coded perils models built with a number of key organisations for the insurance sector.

emapsite Subsitree DTM map

emapsite Subsidence Risk

Subsidence Risk gives a detailed perspective into residential subsidence risk on an individual property basis using the latest geology and tree data.

Product Details

In liaison with the Insurance industry and exclusive to emapsite, Subsidence Risk has been purpose-designed to provide a more granular level of risk insight for Insurers, moving away from traditional postcode-based analysis to individual property level, driven by the knowledge that up to 70% of subsidence claims are tree-related. Insurers can benefit from the currency and level of detail in Subsidence Risk data and have greater confidence in the rationale behind risk selection, valuation, pricing and accumulation decisions.

Subsidence involves underlying earth movement as distinct from property settlement which is generally indicative of poor design or construction. As climatic changes grow more and more unpredictable, both locally and globally, issues around underlying ground stability, planning history and historic land use will continue to impact on insurance-related decisions.
Key to the product are IT system-ready property reference tables containing a normalised risk score for every property address enabling insurers to enhance their existing view of high and low risk areas and adjust their underwriting and claims policies accordingly. It also provides insight into areas where insurers have little or no claims data, enabling refinement of underwriting in all areas. Risk analysts, underwriters and actuaries can rate risk at individual property level to make optimal pricing and portfolio decisions.

For ease of use by Insurer systems, the dataset is available as a webservice from the emapsite Perils data hub.

Technical Details

Supplier
emapsite
Update Cycle
Ad-hoc
Coverage
England, Scotland and Wales
Formats Available
CSV or webservice
Licence Options
Annual
Delivery Timescale
On request

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OS MasterMap Topography Layer, AddressBase Plus

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UK Crime Model

Identify areas and properties at risk from burglary, arson and criminal damage.

Product Details

UK CrimeScore™ is a postcode level dataset designed for the Insurance industry. Updated annually, in April, UK CrimeScore™ provides details about insurance claims for criminal damage, burglary and arson during the period in the UK (excluding the Channel Islands and Isle of Man).

UK CrimeScore™ uses the last five years of crime data and demographic data to generate an overall CrimeScore™ for each postcode in Great Britain and Northern Ireland (excluding Channel Islands and Isle of Man). Anyone who wants to understand the likelihood of crime will benefit from using UK CrimeScore™, but its strength is as a tool for insurers.

  • UK CrimeScore™ uses crime data sourced from local police forces. It contains anonymised data, spatially linked to the centre point of the street in which the crime was recorded. 
  • Data is normalised to the number of crimes recorded per 10,000 households over the last five years (2014-2020), but it also includes a prediction for crime rates in 2021. 
  • Risk ratings range from 0-100 (100=highest) where a score of 50 denotes twice the risk as a value of 25.

Technical Details

Supplier
Ambiental
Update Cycle
Annually
Coverage
United Kingdom (excluding Channel Islands and Isle of Man
Formats Available
Spatial data (.GDB) or flat-file (.CSV)
Licence Options
1 year or 3 year contracts

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OS MasterMap Topography Layer, AddressBase Plus

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Image showing where might flood on the landscape

UK FloodMap 4™

UKFloodMap4™ Base map used to visualise, assess, and understand potential flood risk for six return periods.

Product Details

An accurate and easy-to-understand property-level, flood risk model which provides a high-resolution, 5-metre flood map consistently across the whole of Great Britain.  Flood maps for Northern Ireland and the Channel Islands (Guernsey, Jersey) are also available and are licensed separately.  UKFloodMap4™ is used to visualise, assess, and understand potential flood risk by insurers, government agencies, property developers, property owners and emergency responders.

UK FloodMap4™ considers multiple flooding sources, each modelled separately to provide flood footprints and flood depths (with flood-depth codes) for six return periods.  The product models 30% more rivers than other products by modelling further up the catchment area.  It uses Environment Agency LiDAR remote sensing data, supplemented by Bluesky’s Digital Terrain Model data.  The LiDAR data covers the majority of the UK’s residential and commercial properties (82% of GB properties and 64% in Northern Ireland).

UK FloodMap4™ makes use of Ordnance Survey VectorMap District building outlines and land cover to model infiltration and drainage rates.  The modelling approach is guided by the UK Centre for Ecology and Hydrology methodology to simulate complex river (fluvial) flood flows, tidal storm/surge, and intense rainfall-driven (pluvial) urban flood events, taking into account distribution of rainfall intensity over time, land cover types (roughness), and varying drainage and infiltration characteristics.

Please note: The sample to the right is not for commercial use.

Technical Details

Supplier
Ambiental
Update Cycle
Annually (in April)
Coverage
GB, separate datasets are available for NI and Channel Islands
Formats Available
TIF
Licence Options
Minimum 12 month licence with discounts applied to 3-year contract terms
Delivery Timescale
Next day

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Illustration of houses showing flood risk score

FloodScore™

Provides a Risk Rating and an Annual Damage Ratio (ADR) for each property address

Product Details

Ambiental UK FloodScore™ is based on Ambiental UK FloodMap4 and provides property-level flood risk information for Great Britain, Northern Ireland, and the Channel Islands.  The product estimates the current view of the likelihood and severity of a flood hazard affecting each individual property and is intended for use by the insurance sector.

Each property address is considered as a buffered point (Lat/Long) depending on property type. The maximum flood depth within the buffered area is considered for each flood source and each return period and the likelihood of flooding is expressed as a return period which is a measure of the average recurrence interval of a specific flood event.  The property buffer is used to avoid understating the level of risk where a property may be shown to be flooding within its footprint, but the flood extent does not intersect the property centroid.

UK FloodScore™ estimates a property-level loss in Pounds Sterling (£) for each flood source and return period based on standard industry figures of rebuild/reinstatement costs for a national average residential property. 

Losses for each flood source are annualised and provide an average annual loss (£AAL) for each flood source, and then combined to create a Combined £AAL.  Where potential overlap of fluvial (river) and pluvial (surface water) exists, the higher of these risks is assumed (NB.  Tidal risk is always treated independently).  These values are scaled to the following rating fields:

  • Risk Rating (FloodScore):  £AAL is divided by 10 and capped at 100 (e.g.  A Risk Rating of 17 is derived from an £AAL of £170, where a rating of 100 represents an £AAL of over £1,000).
  • Annual Damage Ratio (ADR):  ADR is calculated by dividing the £AAL by the assumed rebuilt/reinstatement cost and expressed as a percentage.  This can be multiplied by flood-exposed Total Sum Insured to generate a more building-specific £AAL.

Technical Details

Supplier
Ambiental
Update Cycle
Quarterly
Coverage
UK
Formats Available
Supplied as a single CSV file
Licence Options
Minimum 12 months with discounts applied to 3 year contract terms
Delivery Timescale
Next day

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FloodScore™ Climate

Adopts UK Climate Projections 2018 (UKCP18) data to model UK future climate

Product Details

Ambiental UK FloodScore™ Climate is UK dataset which provides a view of climate-related, property-level flood risk information for Great Britain, Northern Ireland, and the Channel Islands.  The product provides an estimate of the likelihood and severity of climate-related flood hazards affecting each individual property and is intended for use by mortgage lenders and property owners (e.g.  Housing Associations).  

UK FloodScore™ Climate adopts the UK Climate Projections 2018 (UKCP18) data update to model UK future climate.  This is modelled in three epochs for four future CO2/Greenhouse Gas emissions scenarios (known as Representative Concentration Pathways – RCP) and six return periods.  The product provides estimates for flood depths for each property address in defended and undefended situations along with undefended risk ratings (i.e.  FloodScore), an average annual loss (AAL) and an annual damage ratio (ADR) for each flood source.  The product includes UK FloodScore™ (the current view of flood risk).

Why is the product important?
The product enables customers to estimate the long view of flood risk as it applies to their asset portfolio and satisfy disclosure requirements of various Environment & Social Governance (ESG) reporting frameworks.  

Technical Details

Supplier
Ambiental
Update Cycle
Twice per year
Coverage
UK
Formats Available
CSV
Delivery Timescale
Next day

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Groundwater Flood Risk

A 5m resolution, property-level flood risk model covering England, Wales and Scotland. The product considers all aquifer types and permeable superficial deposits driven by overflowing rivers and high tides to identify areas within a property that may be at risk.

Product Details

Ambiental Groundwater Flood Risk is a companion dataset to UK FloodMap4™ and provides an even more comprehensive view of flood risk for insurers, utility companies, construction companies, property developers, owners, and asset managers.

Ambiental Groundwater Flood Risk combines comprehensive data on geology, permeability, and historic groundwater levels to provide insight into the actual risk of groundwater flooding for a 1 in 100-year return period.  Flooding risk is expressed using a 5-point scoring system from negligible (0) to high (4).  The basement impact model also indicates where groundwater levels may rise above two metres below ground, where Low and Moderate risk ratings indicate basement impact is possible at the 1-in-1,000-year and 1-in-100-year return periods respectively.

Why is the product important?
Ambiental Groundwater Flood Risk provides an alternative view of a flood hazard which is often overlooked.  Groundwater flooding is a significant threat to construction projects, utility infrastructure and the value of properties generally.


Please note: The Sample to the right is not for commercial use.

Technical Details

Supplier
Ambiental
Update Cycle
Annually
Coverage
GB
Formats Available
BW TIF, SHP

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JBA Comprehensive Flood Model map

JBA Comprehensive Flood Model

JBA Consulting's Flood Risk Model data including Surface Water Flood Map, the Reservoir Failure Flood Map and the Undefended River Flood Map.

Product Details

JBA Consulting's Flood Risk Model data covers England, Wales and urban areas of Scotland. Included in the product are the Surface Water Flood Map, the Reservoir Failure Flood Map and the Undefended River Flood Map. It has been developed in conjunction with Infoterra and parts have been licensed by the Environment Agency for emergency planning purposes.

The Surface Water Flood Map identifies areas likely to flood following extreme rainfall events - land naturally vulnerable to surface water or pluvial flooding. The model provides the maximum depth of flooding in each 5m cell of the digital terrain model, which is processed into depth bands to identify varying levels of risk.

JBA's Reservoir Failure Flood Map identifies areas in England that are most likely to suffer damage to property following sudden catastrophic failure of a reservoir. 1700 reservoirs are included in the model, which uses JBA's 2D hydraulic modelling techniques and a digital terrain model to create the maps - 1-2m resolution Lidar data in large urban areas and 5m resolution data elsewhere.

The Undefended River Flood Map (image shown on the right) provides the highest resolution flood mapping for urban areas, and is based on detailed hydrological analysis of river systems, followed by advanced 2D hydraulic modelling of water flow onto river floodplain areas. The output from the modelling includes flood outlines and flood depth grids for the following four return periods: 1 in 75 year; 1 in 100 year; 1 in 200 year, and; 1 in 1000 years.


Please note: The Sample to the right is not for commercial use. JBA accept no liability.

Technical Details

Supplier
JBA
Update Cycle
Annual
Coverage
UK
Scale
Large urban areas 1-2m resolution Lidar; 5m resolution data elsewhere
Formats Available
CSV and SHP
Licence Options
Annual
Delivery Timescale
On request

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emapsite UK NUCOMAH dataset map

emapsite UK COMAH Dataset

COMAH locations – high risk locations ranging from Sellafield to Calor Gas centres, geocoded (geo-referenced) to postcode unit level. ​​

Product Details

The emapsite UK Major Accident Hazard dataset comprises the latest officially reported COMAH addresses published by the Health and Safety Executive, geocoded (geo-referenced) to postcode unit level. Geographic coverage is England, Scotland, Wales and N. Ireland.

The Control of Major Accident Hazards (COMAH) Regulations 2015 and registration requirements came into effect on 1 June 2015. COMAH are the enforcing regulations within the United Kingdom of the Seveso II Directive devised in Brussels following the Seveso disaster. They are applicable to any establishment storing or otherwise handling large quantities of industrial chemicals of a hazardous nature. Types of establishments required to register include chemical warehousing, chemical production facilities and some distributors.
The principal aim of the regulations is to reduce the risks of potential major accidents, such as the Flixborough disaster, that are associated with the handling of hazardous substances.

  • COMAH regulations operate on two hazard levels based on each establishment's inventory and associated risk status; 'Lower Tier' and 'Upper Tier'. Tier level is indicated in the dataset along with each establishments geocode (x,y and latitude longitude geo-reference).
  • Risk analysts, underwriters and actuaries can rate risk at a local level with an understanding of proximity to Major Accident Hazard locations to make optimal pricing and portfolio decisions.

 

Technical Details

Supplier
emapsite
Coverage
England, Scotland, Wales and N.Ireland
Formats Available
CSV or webservice
Licence Options
Annual
Delivery Timescale
On request

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OS MasterMap Topography Layer, AddressBase Plus

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BGS Geosure map

BGS GeoSure

BGS 1:50 000 vector mapping made up of 6 layers - swell-shrink clay, slope instability, dissolution, compressible deposits, collapsible deposits and running sands.

Product Details

The BGS GeoSure datasets identify areas of potential hazard and, therefore, potential natural ground movement, in Great Britain. These data have been produced by BGS geologists and geotechnical specialists and are presented as six GIS data layers relating to the cause of the geohazard:

* Collapsible deposits: Some types of ground can collapse when a load (such as a building or road traffic) is placed on them and when they become saturated. Such collapse may cause damage to overlying property.

* Shrink-swell: Some types of ground can change volume due to variation in moisture. The changing volume can cause ground movement which could potentially affect building foundations, pipes or services.

* Compressible ground: Some types of ground can contain layers of very soft materials like clay or peat. These may compress if loaded by overlying structures, or if the groundwater level changes, potentially resulting in depression of the ground and disturbance of foundations.

* Landslides: Some types of ground may be susceptible to a landslide hazard. Downslope movement of materials, such as a landslide or rockfall may lead to a loss of support and damage to buildings.

* Running sand: Some types of ground can contain loosely packed sandy layers that can become fluidized by water flowing through them. Such sands can 'run', removing support from overlying buildings and causing potential damage.

* Soluble rocks: Some types of ground contain layers of material that can be dissolved by water. This can cause underground cavities to develop. These cavities reduce support to the ground above and can lead to a collapse of overlying material.

Technical Details

Supplier
British Geological Survey
Update Cycle
Annual
Coverage
GB
Scale
1:50,000
Formats Available
SHP or as webservice
Licence Options
Annual
Delivery Timescale
Up to 4 working hours

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BGS Groundwater Flooding map

BGS Groundwater Flooding

Groundwater flood risk types as polygons attributed as either "superficial deposits flooding" or "clearwater flooding", graded from Very Low to Very High.​

Product Details

Groundwater flooding is the emergence of groundwater at the ground surface. It can occur in a variety of geological settings including valleys in areas underlain by Chalk, and in river valleys with thick deposits of alluvium and river gravels. Groundwater flooding happens in response to a combination of already high groundwater levels (usually during mid- or late-winter) and intense or unusually lengthy storm events. Groundwater flooding often lasts much longer than flooding caused by a river over-flowing its banks. It may last many months and can cause significant social and economic disruption to the affected areas.


Data is available in Shapefile or Tab file format. Groundwater flood risk types are shown as polygons and attributed as either "superficial deposits flooding" or "clearwater flooding", and are graded into 5 categories from Very Low to Very High.

 

Technical Details

Supplier
British Geological Survey
Update Cycle
Annual
Coverage
GB
Formats Available
SHP and webservice
Licence Options
Annual
Delivery Timescale
Up to 4 working hours

Related Products

Enviro Insight ReportOS 1:50 000 Raster, Groundsure Insight Report

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BGS Radon map

BGS Radon

This HPA-BGS radon potential dataset is for use in GIS software.

Product Details

The data can be used to answer one of the standard legal enquiries on house purchase in England and Wales (CON29 Standard Enquiry of Local Authority: 3.13 Radon Gas: Location of the Property in a Radon Affected Area). It also provides information on the level of protection required for new dwellings under BR211 (2007) Radon: guidance on protective measures for new buildings.

Please contact us at sales@emapsite.com for further details or a quote.

Technical Details

Supplier
British Geological Survey
Update Cycle
Annual
Coverage
GB
Formats Available
SHP and webservice
Licence Options
Annual
Delivery Timescale
Up to 4 working hours

Related Products

Groundsure Geo Insight

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CON29M Official Coal Mining Search

The Groundsure CON29M Official Coal Mining Search – Commercial brought to you under Law Society licence using official Coal Authority data.

Product Details

CON29M Official Coal Mining Search – Commercial

The professional opinion on commercial risk from coal mining activity

The Groundsure CON29M Official Coal Mining Search – Commercial brought to you by Groundsure under Law Society licence using official Coal Authority data.

The commercial report answers all of the official 14 questions requested in Law Society Guidance Notes (2018) and has additional information should the property fall within the Cheshire Brine Compensation area. The report offers extra peace of mind, protection and security via a comprehensive £100k Coal Search Report Insurance Policy.

You no longer need to buy the Mine Entry Report as a separate report. A mine entry interpretive assessment is included in the CON29M report, where required, as standard for no extra charge.*

What is the CON29M? The CON29M is a legal form set out by the Law Society to provide information on past, present and future underground and surface coal mining activity for individual properties or sites in England and Wales. It is requested by solicitors on behalf of their clients as part of the conveyancing searches purchased in a coal mining or past coal mining area.

Key features

  • It includes a front page summary of the 14 question responses set out by the Law Society, with clear signposting to detailed information, answers and expert opinion
  • The report uses official data licensed from the Coal Authority, interpreted and analysed by industry experts Mining Searches UK
  • Offers protection and security via a comprehensive £100k Coal Search Report Insurance Policy
  • It gives unrivalled data analysis delivering expert insight and understanding for you and your clients
  • A unique additional alert highlights the Cheshire Brine Compensation Area – where applicable
  • Clear and focused risk advice and next step recommendations supporting transaction progression and completion
  • Easy to understand client ready copy – accessible to everyone involved in the transaction
  • Uses an OS MasterMap plan of the site and an additional coal mining risk map identifying hazards in relation to the property
  • The report uses the now established Groundsure formula for best in class layout and navigation – designed for quick and easy interpretation, getting you to the information you and your clients need, faster
  • Streamlined layout compared to other available reports enabling a clearer workflow resulting in smarter and faster decisions
  • Supports your professional requirements and is accepted by all major UK lenders
  • £10m Professional Indemnity Insurance** (any one claim).

Benefits to the end user

  • Pass/potential risk rating
  • Professional opinion
  • Overview of findings and recommendations
  • In depth and detailed search results
  • Further notes and guidance
  • Coal mining map
  • £100,000 Coal Search Report Insurance
  • OS MasterMap site plan
  • Cheshire brine alert

*Mine entry interpretive assessment 

The content of the Groundsure interpretive Mine Entry Report is fully incorporated into the Groundsure CON29M Official Coal Mining Search (both the Residential and Commercial versions) for no extra charge, as standard.

Previously, where mine entries were identified the CON29M would recommend they be investigated further through an additional interpretive report. From the 16th March the valuable additional content and risk assessment provided in that follow-up search will be embedded into the standard CON29M.

Key benefits 

  • No need to delay the transaction for a follow-up report
  • A calculated zone of influence (ZOI) for each mine entry (the physical extent to which they could pose a risk) included as standard
  • This ZOI data is built into the report intelligence, risk calculation intelligence and recommendations of the report
  • The assessment goes above and beyond official Law Society CON29M guidance and will flag a risk whenever a mine entry ZOI encroaches on a property - even when there is no mine entry within 20m
  • Helpful next steps included for all potential mine entry scenarios
  • Where appropriate connecting underground roadways are included
  • Guidance on next steps in the event of subsidence damage
  • The design and format remains largely unchanged

Coal reporting in Scotland

In Scotland this is a ‘Regulated’ search rather than ‘Official’. This is because the Law Society (of England and Wales) and their CON29M form and Guidance Notes do not apply in Scotland. If the property is located in Scotland you will still be able to order the CON29M product (for either Residential or Commercial transactions) and the Groundsure team will generate the appropriate version for Scottish transactions.

The same 11 questions are answered in the Scottish version and the product is identical in terms of the in-depth information included. Key differences:
The Scottish version will not have the question text and numbered format (as licensed and requested by the Law Society)
The Cheshire brine alert is removed for Scotland.

For more information on this product, download our comprehensive product card.

Technical Details

Supplier
Groundsure
Coverage
England, Wales and Scotland*
Formats Available
PDF
Licence Options
Perpetual
Delivery Timescale
<24 hours

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