Gauge – Hazard Risk Scoring and Assessment Software

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

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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 United States, but also 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.

View Your Property's Peril Risks –
Request a Free Gauge Risk Report Today

Gauge Risk Reports summarize the key natural hazard risk factors for any address the across the United States. Want to test it out? Submit the form with an address and a member of our team will email you back a PDF. Please allow 24 hours.

Visualize Your Risk
Understand property risks across the country by mapping hyper-local risk scores for 11 separate perils. Manage risk before the next big storm.
Assess Your Exposures
Upload policy data directly to Gauge and visualize your exposures by state, county and peril type. Identify high-risk areas and adjust accordingly.
Improve Your Ratios
Improve your loss ratios and combined ratios by writing better business. Isolate high-risk perils or locations to help prevent weather-related claims.

Gauge Risk Scoring Helps Underwriters Manage Natural Hazard Risks

  • Assess hyper-granular geospatial risks scores for 11 perils across the contiguous United States.
  • Upload and visualize your policies to manage exposures, monitor capacity and mitigate P&C hazard risks.
  • Store your account data to view your Total Insured Value (TIV) and exposure totals by state and by cell.
  • Customize blended (multi-peril) risk scores that reflect your company’s priorities and preferences.
  • View a history of severe weather events in any given location including the date and key peril data.
  • Get hyper-local risk scores based on decades years of historical weather data, not computer simulations.

Understand blended and peril-specific weather risks across the country. Should you plan for hail in St. Louis?

Why Insurance Carriers and Reinsurers Trust Gauge Hazard Risk Scoring and Mapping

Chris Mein

AVP, Middle Market Underwriting at Continental Western Group

``Our use of the Gauge tool has made a real difference in our Property underwriting. Our underwriters are better armed with key location-specific indicators to inform their choices on pricing and policy conditions. And we are now able to better manage our concentration of risk and get a very good picture of our portfolio across our territory.``
Mike Smith

Senior VP, Claims at Union Standard Insurance Group | a Berkley Company

``Using Athenium Analytics pre and post storm tools has significantly improved our ability to prepare for an event and respond to our customers by allocating resources to those who need it the most first.``
Gauge Natural Hazard Risk Scoring Software - GIF

Peril Risks at your Fingertips with Gauge Risk Assessment

Gauge enables underwriters to write better business by providing sophisticated peril risk scores backed by decades of historical weather data.

Better Weather Risk Scores for Better Underwriting

Built on Decades of Weather Data

Gauge creates peril risk scores based on 40+ years of local meteorology 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 3 of the hazards, including Earthquake (2.5 miles), Flood (10 meters) and Wildfire (¼ of a mile).


Hail damage risk scores

Straight-Line Winds

Wind damage risk scores


Tornadic storm risk scores


Intense rain risk scores

Winter Storm

Winter storm risk scores

Ice Storm

Ice storm risk scores

Hurricane Wind

Hurricane Wind risk scores

Gauge Hurricane Surge Icon

Hurricane Surge

Hurricane Surge risk scores

Additional Gauge Perils | Add-Ons or Available Separately


Wildfire risks based on topology, fuel sources and weather data




Earthquake risks for 9 states along the New Madrid fault line

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 total insured value (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.

You can then set policy budgets at a county, state, or or 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 or 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 TIV values without showing capacity.

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

Insurance risk capacity management software | Gauge

Are you over-exposed in Detroit?

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 also 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 basis, or a 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 both 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, as well as establish connections for regular data updates. There is 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 along 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 also 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 currently includes 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.

Software Screenshots

Product Support

Please call us at (888) 320-7693 and choose Option 3 for Web or Tech Support. Or email us at

Want to learn more about Gauge?

For more information or pricing, submit a form using the button below.

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How can Gauge risk scoring help your underwriters ?

Learn more about our wildfire risk scoring algorithm used by insurers better understand fire risk attributes in California.

View The Gauge Wildfire Risk Whitepaper