Peril Metrics
Understand property-specific peril risk with industry-leading catastrophe science
Across the United States, claims are increasing in both frequency and severity. From wildfire to severe convective storms to hurricanes, insured property losses are consistently reaching the $100B mark annually. Moody’s offers personal and commercial property carriers a comprehensive suite of predictive property characteristics and peril-aligned risk and hazard scores to align their business objectives with precise underwriting risk assessments.
A Deeper Look
Leverage Peril Metrics’ holistic suite of loss costs, hazards scores, and risk scores across all primary and secondary weather perils
Peril Metrics: Hazard Scores
A detailed assessment of a property’s exposure to hazards.
Peril Metrics: Risk Scores
The overall peril risk associated with a property based on market-leading catastrophe science.
Peril Metrics: Loss Costs
Peril specific premium required to cover the cost of catastrophe risk, considering property-specific factors
The Benefits of Peril Metrics: Comprehensive Risk Insight Across the Insurance Life Cycle
- 01 Risk Selection: Utilize Moody’s risk science to inform upfront underwriting decisions
- 02 Risk Pricing: Improve pricing sophistication using catastrophe model insights
- 03 Portfolio Management: Maintain aligned risk appetite from property to portfolio level
- 04 Reinsurance: Control reinsurance costs with improved underwriting discipline and consistent risk appetite across renewals
The Peril Metrics Solution Suite
Gain a holistic view of location-level hazards.
Get a handle on property characteristics that predict peril-aligned losses, packaged into address-level risk scores.
Tap into financial metrics, such as forward-looking loss costs, to assess the premium required to cover specific perils.
Property 01
Risk Scores
- Flood: 8
- Windstorm: 4
- Earthquake: 1
- Convective Storm 1
- Winter Storm: 1
- Wildfire: 1
Loss Costs
- Flood: $4,734.10
- Windstorm: $863.13
- Earthquake: $3.46
- Convective Storm: $173.82
- Winter Storm: $4.25
- Wildfire: $0.00
Hazards
- Moody’s 100yr Flood Hazard: 4-5ft
- Distance to Coast: 5.40-miles
- Distance to Inner Coast: 0.97-miles
- MMI 500yr: <4.0
- Liquefaction Potential: Moderate
- Distance to Sinkhole: 0.43-miles
Property 02
Risk Scores
Flood: 8
Windstorm: 2
Earthquake: 1
Convective Storm 1
Winter Storm: 1
Wildfire: 1
Loss Costs
Flood: $5,134.10
Windstorm: $602.64
Earthquake: $3.91
Convective Storm: $155.16
Winter Storm: $4.31
Wildfire: $0.00
Hazards
- Moody’s 100yr Flood Hazard: 4-5ft
- Distance to Coast: 5.38-miles
- Distance to Inner Coast: 0.95-miles
- MMI 500yr: <4.0
- Liquefaction Potential: Moderate
- Distance to Sinkhole: 0.45-miles
Read Our Latest Peril Metrics Insights: