Gauge

Hazard risk scoring and assessment

Write better business by leveraging 40+ years of historical weather data for natural hazards and catastrophic perils.

Write better business. Improve your underwriting with hazard risk scores built on decades of historical data.

Gauge is a cloud-based risk management dashboard for insurance underwriting that provides weather-based risk scores and assessment tools built on decades of historical data.

Gauge helps underwriters not only assess natural hazard risks across the U.S., but map and visualize their portfolios to better understand the risks from 11 unique perils. Get advanced geospatial risk scores for hail, intense rainfall, straight-line wind, tornadoes, ice storms, winter storms, hurricane wind, hurricane surge, wildfires and earthquakes. Give your underwriting team the insights to make the best decisions for your bottom line.

Visualize your risk

Understand property risks across the country by mapping hyperlocal risk scores for 11 perils. Manage risk before the next big storm.

Assess your exposures

Upload policy data directly into Gauge and visualize your exposures by state, county and peril type. Identify high-risk areas and adjust accordingly.

Improve your ratios

Improve your loss and combined ratios by writing better business. Isolate high-risk perils or locations to help prevent weather-related claims.

Visualize your risk

Understand property risks across the country by mapping hyperlocal risk scores for 11 perils. Manage risk before the next big storm.

Assess your exposures

Upload policy data directly into Gauge and visualize your exposures by state, county and peril type. Identify high-risk areas and adjust accordingly.

Improve your ratios

Improve your loss and combined ratios by writing better business. Isolate high-risk perils or locations to help prevent weather-related claims.

core benefits

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Assess hypergranular geospatial risks scores for 11 perils across the contiguous U.S.

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Upload and visualize your policies to manage exposures, monitor capacity and mitigate P&C hazard risks.

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Store your account data to view your total insured value and exposure totals by state and cell.

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Customize blended (multi-peril) risk scores that reflect your company’s priorities and preferences.

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View a history of severe weather events in any given location including the date and key peril data.

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Get hyperlocal risk scores based on decades of historical weather data, not computer simulations.

Upload policies to manage capacity and hazard exposures.

In addition to natural hazard risk scores, Gauge also provides insurance policy mapping, budgeting and visualization. Gauge Management enables underwriting teams to upload policy data and monitor TIV and budget capacity based on geography and risk tolerance. The “batch upload” feature makes it easy to upload tens of thousands of policies and overlay them on the Gauge risk maps.

Set policy budgets at a county, state and regional level. Adjust budgets based local risk factors and view the TIV and capacity for each 9×9-mile Gauge cell. Understand your exposures to natural hazards like hail, ice storms and tornadoes. Quickly determine if you’re writing too much business in high risk areas. Set your budgets and risk tolerance and determine if you’re under, at or over capacity in any given area. Budgets are not mandatory; users without budget parameters can still use the management feature to visualize the exposure counts and TIVs without showing capacity.

Gauge enables underwriters to make smarter decisions by helping them visualize, manage and mitigate portfolio risks.

Features in action

Built on decades of weather data

Gauge creates peril risk scores based on 40+ years of local meteorological data. Select a location to view a list of severe weather events from the last three years across all perils.

Gauge also provides risk attributes for each peril so you can understand how the risk scores are generated. Select a peril and see the annual probability, number of historical occurrences and distribution by month at your location.

  Hail

  Straight-Line Winds

  Winter Storm

  Hurricane Surge

  Rainfall

  Hail

  Ice Storm

  Hurricane Wind

9-mile resolution or better

Additional Gauge perils

Add-ons or available separately

Gauge offers high-resolution weather risk data across the map interface, with Gauge cell granularity of at least 9 miles for all perils. Data resolution is even better for three of the hazards, including earthquake (2.5 miles), flood (10 meters) and wildfire (¼ of a mile).

  GaugeWildfire

Wildfire risks based on topology, fuel sources and weather data.

  GaugeFlood

Coastal, inland river and flash flood risks.

  Earthquake

Earthquake risks for nine states along the New Madrid fault line.

features

Built on decades of weather data

Gauge creates peril risk scores based on 40+ years of local meteorological data. Select a location to view a list of severe weather events from the last three years across all perils.

Gauge also provides risk attributes for each peril so you can understand how the risk scores are generated. Select a peril and see the annual probability, number of historical occurrences and distribution by month at your location.

9-mile resolution or better

Gauge offers high-resolution weather risk data across the map interface, with Gauge cell granularity of at least 9 miles for all perils. Data resolution is even better for three of the hazards, including earthquake (2.5 miles), flood (10 meters) and wildfire (¼ of a mile).

  Hail

  Rainfall

  Straight-Line Winds

  Winter Storm

  Ice Storm

  Hail

  Hurricane Surge

  Hurricane Wind

Additional Gauge perils

Add-Ons or available separately

  GaugeWildfire

Wildfire risks based on topology, fuel sources and weather data.

  GaugeFlood

Coastal, inland river and flash flood risks.

  Earthquake

Earthquake risks for nine states along the New Madrid fault line.

Frequently asked questions

How is the Gauge blended risk score calculated?

Gauge natural hazard risk scores are calculated using historical weather data and probabilistic models to determine the likelihood of future catastrophic losses for each peril. With Gauge, companies can decide how much of each natural hazard peril should feed into the calculation of the overall blended score for any given area. Companies may set these rules on a statewide or countywide basis if the weather risk profile varies within the state. Companies also have the option to customize their own formula to drive the overall blended score for their locations. To achieve maximum value from Gauge peril scoring, it’s recommended that companies use historical loss data to derive weighting for each peril. To learn more about this option, please contact your account manager.

What is the Gauge hurricane surge risk?

The Gauge hurricane surge score represents the risk of any surge water height from any category of hurricane. This score is representative of frequency (how often each category of storm has occurred) and severity (the worst-case surge water height for each category of storm) at any location. The more precise scoring reflects the precise resolution of 33 feet (10 meters) used in Gauge hurricane surge analysis.

Which perils are included with Gauge by default?

Gauge subscribers have automatic access to natural hazard risk data and scoring for the following perils: hail, intense rainfall, straight-line wind, tornadoes, ice storms, winter storms, hurricane winds and hurricane surges. Flood, wildfire and earthquake risk scoring are each packaged separately given their specialized and regional nature. Additional perils can be added by your account manager. If you are interested in these add-ons, please contact us to learn more.

How do I upload my policies to Gauge?

Gauge offers two types of uploads: assisted and manual. Assisted uploads allow users to securely integrate their policy data (free of PII) with Athenium Analytics products. Our team can format and upload your policy and claims data and establish connections for regular data updates. There’s no size limit, and the data is accessible any time you use Gauge. Users that store data with us can also use the risk map plotting feature to display their stored exposures and then export those exposures with the risk scores.

Manual uploads allow users to import policy data themselves by uploading a CSV file inside the Gauge interface. The manual upload process supports up to 25,000 lines of policy and location data. This feature allows users to export their custom Gauge data, which includes the peril risk score for each exposure location. Manually imported CSV data will disappear when the user logs out, therefore the policy data must be exported or re-uploaded during each new session.

What states are included in the earthquake risk scores?

Gauge supports complete earthquake risk scoring for nine midwestern states along the New Madrid fault line: Arkansas, Illinois, Indiana, Iowa, Kentucky, Missouri, Ohio, Oklahoma and Tennessee. We are planning to add coverage for additional states in the near future once the risk models are available. If you are interested in obtaining earthquake scores for other states, please contact us to discuss your needs.

How do I subscribe to Gauge?

Athenium Analytics offers flexible pricing that varies by the number of seats or states in your portfolio. Please contact our sales team to receive a custom quote.

Product support

Call (888) 320-7693 and choose option 3 or email us at info@athenium.com

Let’s get started

Schedule a demo, request pricing or speak with a member of the team.