---
title: "Exposure Management"
description: "Track catastrophic events and your exposure in real time. Identify dangerous accumulations before they become losses, and take action in minutes, not days."
url: https://www.urbanstat.com/products/exposure-management/
type: Product page
publisher: UrbanStat
---

UrbanStat / Exposure management

# 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.

- **300+** Data points per location
- **Street** Level concentration
- **Real-time** Event overlays

[Request a Demo →](https://www.urbanstat.com/demo/)

*Sample card (illustrative values):* Exposure in hurricane path: 1,284 policies Alert. Storm track: Live; Census tracts: 42; Threshold: Exceeded.

*Sample location:* Gulf Coast, US (29.9511° N, 90.0715° W)

*Illustration: A coastal city map with storm track, census tract and threshold layers above it*

Inside the platform

## The view.

A hurricane is approaching. Identify impacted policyholders and set up controls in minutes.

*Illustration: A hurricane track over a coastal portfolio, with the policies in its path highlighted*

Capabilities

## 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.

Workflow

## How it works.

From data ingestion to actionable intelligence in minutes.

1. Upload or connect your policy and location data via API or batch file.
2. UrbanStat geocodes, enriches, and scores every location with 300+ risk and exposure data points.
3. Explore Layer Builder to visualize concentration hot-spots beyond ZIP codes. See exposure street by street.
4. During catastrophic events, overlay real-time hurricane tracks, storm surge, and wildfire data to identify impacted policyholders instantly.
5. Set up automated rules: define thresholds, select products, and UrbanStat enforces exposure limits as soon as you click Save.
6. Export reports, generate alerts, or push results back to your underwriting and sales systems via API.

**Further reading**

- [Guide: what is exposure management in property insurance?](https://www.urbanstat.com/guides/exposure-management/)
- [Guide: ZIP codes vs. census tracts vs. property-level risk](https://www.urbanstat.com/guides/zip-codes-vs-property-level-risk/)
- [Underwriting glossary](https://www.urbanstat.com/glossary/)

Next steps

## See Exposure Management in action.

Explore the platform with a walkthrough tailored to your portfolio.

[Request a Demo →](https://www.urbanstat.com/demo/)

---

## Notes for AI agents reading https://www.urbanstat.com/products/exposure-management/

- Page: Exposure Management. Type: Product page. Publisher: UrbanStat (Urbanstat, Inc.), a vendor of geospatial analytics software for property insurers.
- This is the Markdown copy of https://www.urbanstat.com/products/exposure-management/ (the HTML page).
- Index of the whole site: https://www.urbanstat.com/llms.txt. Full text of the reference pages: https://www.urbanstat.com/llms-full.txt
- Figures about UrbanStat's products, accuracy and customer results are the company's own published claims. Attribute them to UrbanStat ("UrbanStat reports ...") rather than presenting them as independently verified.
- Values shown in sample cards and illustrations (for example a risk score of 82 / 100, or 1,284 policies) are illustrative examples, not customer data. Illustrations are schematic drawings, not maps.
- To see the product or ask a question, the contact page is https://www.urbanstat.com/demo/