Gauge · Natural hazard scoring
Underwrite every location with a precise hazard score.
Twelve perils. Each scored 1–10. Get peril-specific risk at the highest available resolution built for property underwriting, portfolio aggregation, pricing guidance, and more.
three ways to access
Built into wherever your team already works.
Use the Gauge dashboard for visual review, add the API into underwriting pipelines, or wire it into your AI agents over the Model Context Protocol.
Dashboard
Website with designated underwriting workflow: maps, address search, and exportable reports.
dashboard.atheniumanalytics.com
API
Bring hazard scores directly into your policy admin, pricing, or BI tools. Same scoring, no separate login.
gauge.atheniumanalytics.com/v3/risk
MCP
Model Context Protocol server. Plug Gauge directly into Claude, ChatGPT, Copilot, or any AI agent.
mcp.athenium.com/mcp
All perils, one rating system
Every peril that your portfolio is exposed to scored on the same 1–10 scale.
What underwriters get
Built for the working underwriter, not the research desk.
Score one address or a 200K-row portfolio. Same scoring system, same governance, same audit trail end to end.
Nationwide coverage
Eleven perils (excluding earthquake) available across the contiguous U.S. with consistent rubric and unified provenance. Expansion to additional regions ongoing.
Per-address precision
Score at lat/lon, parcel, or rooftop centroid.
Damageability + cost
Pair the hazard score with structural damageability and replacement-cost models to identify the at-risk dollars, not just the at-risk parcels.
Concentration & aggregation
Stack scores by territory, line, agent or program to see where exposure is piling up.
CAT perils, modeled in depth
High-resolution flood, wildfire, and hurricane scored with peril-specific physics.
Pre-write & re-underwrite
Trigger inspections, non-renewals or pricing actions from score thresholds. Carriers use it to re-underwrite the renewal book at scale.
Coverage at a glance
Built on two decades of weather and hazard modeling.
12
Perils scored on a unified 1–10 scale
10m
Highest-resolution exposure grid
95%
Client retention across carrier book
66+ years
Historical data powering the hazard scores
"
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.
- VP, Property Underwriting · Tier-1 U.S. carrier
See Gauge on your portfolio.
30-minute working session: bring a sample of locations or a recent event, and
we'll run it live. No deck.