For insurance & risk modeling

Exposure, risk, and territory geography for insurers

Join your policyholder book against flood zones, wildfire perimeters, or hurricane swaths in one workflow. Build territory maps, monitor concentration risk, and produce reinsurance-grade exposure summaries — without standing up an in-house mapping team.

What it looks like

A typical workflow for insurance & risk modeling teams. Each line is one operation; together they take a few minutes and produce a published map plus a downloadable dataset.

# Pattern: policy book × hazard polygon → exposure summary.
# The shape of the workflow — bring your own policy CSV + a public
# hazard layer (FEMA flood, NIFC wildfire, NOAA hurricane).

mcp.call("bulk_match_addresses", { records: policies })
  // → geocoded rows with lat/lng + county/CD/ZCTA join

mcp.call("import_shape_from_url", {
  url: "https://your-public-hazard-layer.geojson",
  collection: "hazard_zones", version: "2026-05",
})
  // → one workspace shape per polygon in the source

mcp.call("geo_intersect_dataset", {
  dataset: "policies_geocoded",
  collection: "hazard_zones", version: "2026-05",
})
  // → every policy point inside any zone; sum annual_premium client-side

mcp.call("create_report", {
  slug: "hazard-exposure-2026-q2", public: false,
  config: { collection: "hazard_zones", version: "2026-05",
            embed_origins: ["https://risk.yourcarrier.com"] },
})
  // → /v/<slug> private iframe, locked to your domain

# describe_report can summarize the resulting map in plain English
# once a real exposure dataset has been joined in.

What you can build

Exposure inside hazard zones — One call to ingest_geojson registers a FEMA flood-zone, wildfire-perimeter, or hurricane-swath polygon as a workspace boundary set. geo_intersect_dataset then returns every policy inside, with annual premium summed. Refresh monthly by pointing at the new polygon file.
Concentration-risk monitoring — geo_hotspot surfaces where your book is over-concentrated. Cross-check against catastrophe regions before the next renewal cycle.
Producer territory definition — geo_voronoi or custom polygons partition the country among your producers. Track premium written per territory and rebalance with one map.
Rate-zone analytics — Pull Census housing-stock and income data into your rate-territory definitions. Justify rate changes with demographic context.
Reinsurance-grade reports — Every report renders as a print-ready PNG plus a downloadable spreadsheet. Compatible with downstream actuarial workflows.

The tools you'd actually use

bulk_match_addresses
Policy roster → county + latitude/longitude, batched

ingest_geojson
Fetch a public hazard-polygon URL and register it as a workspace boundary set in one call

geo_intersect_dataset
Policies inside any hazard polygon

geo_hotspot
Where your book concentrates — statistical hot-spot clustering

geo_voronoi
Producer territory polygons around offices

census_acs
Housing stock + income context for rate zones

describe_report
Claude turns the map into an exposure brief

build_geojson
Export the exposed-policies layer for downstream tools

How it differs from the alternative

vs. CoreLogic / Verisk: the same hazard data is freely published by FEMA, the National Interagency Fire Center, and NOAA — we wire it up, you pay $50/month instead of a five-figure license. vs. in-house mapping: no specialist software seat, no full-time analyst — the joins are pre-built and one click away.

Pricing for insurance & risk modeling teams

Underwriting analytics teams typically run on Pro ($50/month) for the sub-workspaces (one per producer or region) and the larger call allowance. Carriers with millions of policies should email about Enterprise. Full pricing details.

Know your exposure before the next storm.

Free tier covers the first 50 calls — enough to pilot the flow.

Get an API key

The same toolkit also covers grassroots organizing platforms & campaign tooling · healthcare & life sciences · civic tech & journalism · real estate & property tech · retail, consumer brands & site selection · logistics, delivery & field service · research, academia & think tanks · pollsters & survey research firms — one U.S.-geography surface for any team whose question comes down to where.