Exposure Management
See every risk. Control every concentration.
Track catastrophic events and your exposure in real time. Identify dangerous accumulations before they become losses, and take action in minutes, not days.
The view.
A hurricane is approaching. Identify impacted policyholders and set up controls in minutes.
Key capabilities.
Everything you need, built into one platform.
Real-Time Event Response
Track hurricanes, wildfires, and severe weather as they develop. Overlay NOAA NowCast and storm tracking data on your portfolio to instantly see which policyholders are in the path.
Automated Exposure Alerts
Set thresholds once. Get notified the moment any area starts accumulating more exposure than your portfolio can safely carry. No manual monitoring required.
Granular Regional Reporting
Analyze portfolio distribution by states, counties, cities, postal codes, and census tracts. Understand concentration patterns street by street, not just ZIP by ZIP.
Portfolio Risk Profiling
Know exactly what percentage of your book sits near the coast, in wildfire-prone areas, or in flood zones. Quantify your tail risk in under a minute.
Problematic Area Detection
UrbanStat automatically identifies areas where you have a high loss ratio and growing exposure. Define how you want to manage these regions, and our rule engine handles enforcement.
API and Platform Flexibility
Use our APIs to feed exposure intelligence directly into your underwriting systems, or manage everything through our visual platform. Full control, either way.
How it works.
From data ingestion to actionable intelligence in minutes.
- Upload or connect your policy and location data via API or batch file.
- UrbanStat geocodes, enriches, and scores every location with 300+ risk and exposure data points.
- Explore Layer Builder to visualize concentration hot-spots beyond ZIP codes. See exposure street by street.
- During catastrophic events, overlay real-time hurricane tracks, storm surge, and wildfire data to identify impacted policyholders instantly.
- Set up automated rules: define thresholds, select products, and UrbanStat enforces exposure limits as soon as you click Save.
- Export reports, generate alerts, or push results back to your underwriting and sales systems via API.
See Exposure Management in action.
Explore the platform with a walkthrough tailored to your portfolio.