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 Subsitree with NTM

Subsitree 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, Subsitree 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 Subsitree 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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emapsite uk crime model map

emapsite UK Crime Model

Property crime – burglary, arson, criminal damage, vandalism and theft, using the latest officially reported figures from the Police Authorities.

Product Details

According to statistics from the Association of British Insurers (ABI), theft from property accounts for 13% of claims by value and there is a continual need to improve and update the understanding of it as a risk within the UK Insurance market. Exposure can be reduced by pricing risk at a local level but this is only possible with an understanding of local statistics. The insurance industry requires a solution that is transparent, based on scientifically robust data, employs innovative analytical techniques and is consistent with past claims experiences.

• Using emapsite's Crime peril model, risk analysts, underwriters and actuaries can score risk at a local level to make optimal pricing and portfolio decisions.
• Its currency and level of detail means insurers can enjoy greater confidence in the rationale behind decisions on risk selection, valuation, pricing and accumulations.
• Business value can also be realised from shorter quotation times and, because it is a hosted solution, you no longer have to manage your own potentially costly data stacks and IT deployments.

 

  • The Crime model incorporates anonymised data from the Police Authorities’ latest officially reported figures covering England, Wales, Scotland and N.Ireland.
  • The model incorporates analysed and geographically redistributed crime data, from which a combined risk score per postcode unit is supplied, along with ‘trend’ % value indicating at postcode level whether crime is increasing or decreasing against the previous year.
  • As a result of testing against insurer claims data, the Crime model has been proven to be highly predictive and selected for procurement
  • For ease of use by Insurer systems, the dataset is available as a complete file (.csv) or through web services from the emapsite Perils data hub.

Technical Details

Supplier
emapsite
Update Cycle
Ad-hoc
Coverage
United Kingdom
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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emapsite Windstorm data map

emapsite Windstorm

The emapsite windstorm model covers UK, including the Isle of Man and Channel Islands and provides postcode-sector level granularity along with detailed risk scoring.

Product Details

Windstorm can cause the greatest insured property loss in Europe and there is a continual need to improve and update its understanding within the UK market. Such exposure can be reduced by pricing risk at a local level but this is only possible with an understanding of local hazard.

  • Using emapsite's windstorm peril model, risk analysts, underwriters and actuaries can score risk at a local level to make optimal pricing and portfolio decisions.
  • Its currency and level of detail means insurers can enjoy greater confidence in the rationale behind decisions on risk selection, valuation, pricing and accumulations.
  • You can also realise business value from shorter quotation times and, because it is a hosted solution, you no longer have to manage your own potentially costly data stacks and IT deployments.
  • The perils model incorporates best in class windstorm 4.4km resolution gridded data from the Met Office.
  • Met Office data values represent hourly maximum gust speeds from a hindcast using the Euro4 model, derived from a 35 year history, using Wind data sampled at a height of 10 metres.
  • Data from three return periods are incorporated and scored, from which a combined risk score per postcode sector is derived.
  • The dataset is available as a complete file (.csv) or through webservices from the emapsite Perils data hub.

Technical Details

Supplier
emapsite
Update Cycle
Ad-hoc
Coverage
UK including Isle of Man and Channel Islands
Scale
4.4km gridded data
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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emapsite UK Freeze Model data map

emapsite UK Freeze Model

Locations at risk of property damage due to freezing conditions using over 50 years of temperature data from the MET office.

Product Details

UK Freeze Model Freezing temperatures can cause escape of water (EoW) and significant insured property loss. There is a continual need to improve and update the understanding of EoW risk within the UK market. Such exposure can be reduced by pricing risk at a local level but this is only possible with an understanding of local hazard.

  • Using emapsite's Freeze peril model, risk analysts, underwriters and actuaries can score risk at a local level to make optimal pricing and portfolio decisions.
  • Its currency and level of detail means insurers can enjoy greater confidence in the rationale behind decisions on risk selection, valuation, pricing and accumulations.
  • Business value can also be realised from shorter quotation times and, because it is a hosted solution, you no longer have to manage your own potentially costly data stacks and IT deployments.
  • The perils model incorporates best in class temperature data from the Met Office at 5km grid resolution.
  • The data is analysed for duration and degree of freeze conditions from which a risk score per postcode sector is derived.
  • The dataset is available as a complete file (.csv) or through web services from the emapsite Perils data hub.
  • Where licensing of the national dataset is not required we offer Pay-as-you-use transactional pricing arrangements for data consumed via the emapsite Perils data hub.

Technical Details

Supplier
emapsite
Update Cycle
Ad-hoc
Coverage
England, Scotland, Wales and N.Ireland and the Isle of Man
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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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

Related Products

OS MasterMap Topography Layer, AddressBase Plus

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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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Groundsure Flood Insight, OS VectorMap Local Raster

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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

Related Products

Groundsure Geo Insight, OS 1:50 000 Raster

Download Samples

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

Groundsure Flood InsightOS 1:50 000 Raster

Download Samples

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

Download Samples