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-calculated 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 here: GeoEnrichment Risk Data Product Guide.

The 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. The specific crime variables measured are:

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

Violent Crime Score 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

The U.S. Coastal Waters includes a region file of Coastal Water boundaries and their water body names within 3 miles of the coastline. This dataset is linked to Location data based on the nearest coastal water to it. 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:

- Historical Earthquake Information: Contains historical earthquake event details

- Earthquake Fault Lines: Comprises location of the fault lines

- Earthquake Fault Zones: Contains a 1/4 mile buffer around each fault line

- Soil Classifications: Comprises information on soil type which affects the amplification of ground motion.

- California PML Zones: California zone determination for the Probable Maximum loss of the expected insured loss after deductible, for structure and contents damage from large earthquakes

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 a Risk50 score which is an overall rating on the likelihood of a wild fire at a given location. The RiskDesc provides a descriptive name for the wild 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. This dataset can be used to determine the flood zone for a given location.

Property Fire Protection

This dataset 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. This dataset also can be used to determine if a given location is within an incorporated place. This is important because incorporated places have fire hydrant standards which impacts the level of fire protection provided. This dataset 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 water body might be used as a source of water 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.