Scores Methodology and Interpretation
Flood Risk Scores
The Geosapiens flood risk scores represent the level of flood risk for a given location. The score combines flood hazard (either fluvial, pluvial or coastal), driven by the probability and intensity of flood events (including flood frequency and water depth), with vulnerability, which reflects the potential annual damage and loss (AAL) for a typical residential building with $1M TIV. Each score ranges from 0 to 10, representing increasing levels of severity.
| Score | Risk Level | Damage | AAL |
|---|---|---|---|
| 0 | Zero to Negligible Risk | 0% | $0 |
| 1 | Very Low Risk | 0.0001% - 0.10% | $1 - $1,000 |
| 2 | Low Risk | 0.10% - 0.25% | $1,001 - $2,500 |
| 3 | Moderate-Low Risk | 0.25% - 0.50% | $2,501 - $5,000 |
| 4 | Moderate Risk | 0.50% - 1.00% | $5,001 - $10,000 |
| 5 | Moderate-High Risk | 1.00% - 2.50% | $10,001 - $25,000 |
| 6 | Elevated Risk | 2.50% - 5.00% | $25,001 - $50,000 |
| 7 | High Risk | 5.00% - 7.50% | $50,001 - $75,000 |
| 8 | Very High Risk | 7.50% - 10.00% | $75,001 - $100,000 |
| 9 | Severe Risk | 10.00% - 20.00% | $100,001 - $200,000 |
| 10 | Extreme Risk | > 20.00% | $200,000+ |
Flood Hazard Scores
The Flood Hazard Score represents the severity of modeled flood hazard at a location (fluvial, pluvial, or coastal) using hazard layers only across standard return periods (RPs). It is assigned by finding the most frequent return period at which the hazard becomes non-zero (that is, the earliest RP where flooding is present). More frequent flooding leads to a higher score. If hazard is non-zero at any of the very frequent RPs (2-20 year), the location receives the maximum score.
| Score | Risk Level | Return Period |
|---|---|---|
| 1 | Very Low Risk | None |
| 2 | Low Risk | 1500 |
| 3 | Moderate-Low Risk | 1000 |
| 4 | Moderate Risk | 500 |
| 5 | Moderate-High Risk | 200 |
| 6 | Elevated Risk | 150 |
| 7 | High Risk | 100 |
| 8 | Very High Risk | 50 |
| 9 | Severe Risk | 25 |
| 10 | Extreme Risk | <=20 |
Wildfire Hazard Score
The Geosapiens wildfire model predicts wildfire hazard score from 77 environmental, climatic, vegetation, and human factors covariates. This approach allows the model to learn the complex, non-linear relationships between these factors and the resulting fire risk.
The hazard scores from 0 to 10 provide intuitive and user-friendly information. This transformation ensures that stakeholders can easily interpret the results, enabling faster and more effective decision-making in underwriting, pricing, and risk management.
| Score | Risk Level |
|---|---|
| 0 | Zero to Negligible Risk |
| 1 | Very Low Risk |
| 2 | Low Risk |
| 3 | Moderate-Low Risk |
| 4 | Moderate Risk |
| 5 | Moderate-High Risk |
| 6 | Elevated Risk |
| 7 | High Risk |
| 8 | Very High Risk |
| 9 | Severe Risk |
| 10 | Extreme Risk |