Presented by: Dan MunsonFounder, VP of Sales & Marketing

Presented: July 13, 2010

CDS Business MappingAdvanced Flood

Copyright © 2010, CDS Business Mapping, LLC. All Rights Reserved.

About CDS Business Mapping

Founded in 1994 as a mapping (GIS) consulting company

Has evolved into a company that specializes in hazard mapping for insurers

Main business now revolves around the RiskMeter and related services

Company is now a national leader

Complete projects/maps on a service basis Sell a complete line of mapping software

The Risk Meter Online™ Performs property risk reports Internet based service

Instant results Quick, accurate, easy-to-use

Check individual risks or an entire book for geographic risks (Batch)

Software has been in use since 1996 Internet version (RM Online) 1998

Reports Available Distance to Shore Flood Zone Determinations Proximity to Brush Fire Hazards MMI, Soil, EQ Scores (RMS & EQE) Crime Scores State Wind Pool Eligibility Storm Surge State Tax Codes Hail Exposure Index Tornado Exposure Index Rating Territory (Your territories) Building Characteristics (year built/SF/# of Stories, etc) Slope, Aspect, Elevation RMS & EQE Wind & Quake Modeling (AAL’s & PML’s)

And More!!!

FEMA Firmette

FEMA Firmette

A FIRMette is a full-scale section of a FEMA Flood Insurance Rate Map (FIRM)

Black and White COMMUNITY Maps User must find the subject and determine zone

These maps are up to date except for Letters of Map Revisions (LOMR) and Letters of Map Amendments (LOMA) are not reflected on these maps

Very hard to read No automation or batches EXTREMELY SLOW PROCESS

DFIRM Map

DFIRM Map Viewer

Digital maps: GIS, similar to RiskMeter Uses two sets of digital data

Dfirms Up to date, but poor coverage

Q3 Flood Data Missing Coverage - ~1,800 counties Very old data! No updating since 1998! FEMA makes tens of thousands of updates every year.

Still does not locate subject or determine zone Coverage is poor Hard to read, map functionality is poor No automation or batches Aerials – Maybe – Do they work?

FEMA Digital Coverage

•Purple regions (DFirms)•Up-to-date

•Orange regions are Q3 data•Have not been updated in more than a decade!

•White areas have no coverage•RiskMeter has every official flood panel

RiskMeter Maps Digital versions of the FEMA flood maps 100% coverage of all FEMA Maps Very fast and easy process Locates the subject and automatically determines the

flood zone Updated on a monthly basis Can be integrated into an underwriting system and run in

a batch Overlay flood zones on top of Aerial Images Includes digital LOMRs and LOMAs Adding Parcel data – Increased geocoding accuracy

RiskMeter Maps

Street Map Background Aerial Background

Evaluating Flood Risks – Beyond the Zone

FEMA statistics show that 1/4 - 1/3 of flood claims occur outside the 100 year flood plain

FEMA Flood Zone All A & V zones are considered in the 100 year flood zone

Proximity to Flood Zone FEMA maps are models; floods can be larger than predicted

Elevation difference between Building and BFE The greater the elevation difference, the more forgiving

Storm Surge FEMA flood maps are inland flood models Do not account for surge from a coastal storm Millions of locations countrywide are in areas affected by storm

surge but not in a 100 year flood plain

Flood Elevation Report

Flood Zone Flood Zone FEMA Flood ZoneFEMA Flood Zone

Distance to Flood ZoneDistance to Flood Zone Distance to the nearest 100 year flood zone (The Distance to the nearest 100 year flood zone (The further away, the better)further away, the better)

Base Flood Elevation (BFE)Base Flood Elevation (BFE) The elevation of the surface of the water when at the The elevation of the surface of the water when at the 100 year flood stage100 year flood stage

BFE SourceBFE Source FEMA or CDSFEMA or CDS

Height above BFEHeight above BFE If the location falls outside the 100 year flood plain, If the location falls outside the 100 year flood plain, this is how much above the flood plain the location this is how much above the flood plain the location is (the greater the number, the better)is (the greater the number, the better)

Water DepthWater Depth If the water falls inside the 100 year flood plain, If the water falls inside the 100 year flood plain, then this is how deep the water will be during the then this is how deep the water will be during the modeled 100 year flood (The higher the value, the modeled 100 year flood (The higher the value, the worse it is)worse it is)

Why Use Flood Elevation Report?

This house is in a 100 year Flood Plain

Why Use Flood Elevation Report?

This house is now flooded in a Flood Plain

Why Use Flood Elevation Report?

Is this house at risk?

Why Use Flood Elevation Report?

It is if the FEMA Maps are Wrong.

Why Use Flood Elevation Report?

With RiskMeter, you can minimize your risk.With RiskMeter, you can minimize your risk.

Base Flood Elevation Logic

If exists, FEMA data is used Only exists in AE, VE, A#s & V#s Data missing in some AE & VE zones

If doesn’t exist, CDS data is used Proprietary methodology: We are the only people that

know how to do this Works for all 100 year zones Can work for 500 year zones

BFE Source Field Tells whether data comes from FEMA or CDS

Storm Surge

To gain a better understanding of storm surge exposure, To gain a better understanding of storm surge exposure, CDS Business Mapping has added a SLOSH based storm CDS Business Mapping has added a SLOSH based storm surge report to the RiskMeter Online. SLOSH stands for surge report to the RiskMeter Online. SLOSH stands for ((SSea, ea, LLake and ake and OOverland verland SSurges from urges from HHurricanes) and it urricanes) and it estimates the storm surge for each category of storm based estimates the storm surge for each category of storm based upon the wind speed, wind direction, bathymetry upon the wind speed, wind direction, bathymetry (underwater topography) and topography. (underwater topography) and topography.

By simply typing in an address, users can see if a policy By simply typing in an address, users can see if a policy falls within an area likely to flood from a hurricane of a falls within an area likely to flood from a hurricane of a specific strength (category 1-5), as well as the maximum specific strength (category 1-5), as well as the maximum storm surge height for each category of storm.storm surge height for each category of storm.

Storm Surge

Minimum Hurricane CategoryMinimum Hurricane Category Tells the lowest category of hurricane to effect the Tells the lowest category of hurricane to effect the area area

(1 Highest Risk-5 Lowest Risk; 0 No Risk)(1 Highest Risk-5 Lowest Risk; 0 No Risk)

Category in HeightsCategory in Heights These are the heights above SEA LEVEL for a These are the heights above SEA LEVEL for a hurricane of each categoryhurricane of each category

Elevation (FL Elevation Report)Elevation (FL Elevation Report) This is the ground elevation at the locationThis is the ground elevation at the location

Surge ScoreSurge Score 0 - No Risk0 - No Risk1 – Low Risk (need cat5 hurricane to flood)1 – Low Risk (need cat5 hurricane to flood)5 – High Risk (need only cat1 hurricane to flood)5 – High Risk (need only cat1 hurricane to flood)

Notes: Notes: Subtract the Elevation from the Cat5 Height to Subtract the Elevation from the Cat5 Height to determine potential flood depth (The higher the determine potential flood depth (The higher the number, the worse); number, the worse);

Cat5 Height – Elevation = Potential Water DepthCat5 Height – Elevation = Potential Water Depth

Surge Contours

Storm Surge

Flood Zone vs. Storm Surge

Surge Map

Manual Placement and Aerial Overlay

Getting the location correct Riskmeter allows users to see physical buildings using Aerial Images. Overlay flood zones/surge layers on top of Aerial to see if hazard

touches building (works with all layers) Manual Placement option allows the user to locate the structure by

clicking on the building in the Aerial Image Multiple buildings on property Large plants and warehouses New Developments that are not mapped out Unacceptable geocoding results Close proximity to flood zone

Parcel Geocoding New option Increases positional accuracy

Manual Placement and Aerial Overlay

Use the Aerial to locate the building and get the proper zone!

Manual Flood Determination

Properties that are in close proximity to a flood zone may require further analysis to get the proper zone

Manual Determinations check all digital flood zones as well as LOMRs and LOMAs

Similar to a flood certificate Same process as certificate but no financial guarantee

Use when unsure of answer or when building cannot be located

Batch

All RiskMeter reports can be run in a batch Very quick way to identify potential flood risks This means you can submit schedules of addresses

for analysis and receive results in a spreadsheet format Grouped policies, book of business

Flood zones change so you may want to run your book on an annual basis

Results are back within minutes 24/7, 365 days self service website

Flood Account Options

Proximity Warning Distances can be set

BFE’s From FEMA maps

Only available in AE,VE, A#s & V#s

CDS Flood Elevations can be estimated for all zones 500 year report possible

Elevation Readings Parcel Geocoding

Uses centroid of parcel

Questions?Dan Munson

Founder, Vice President of Sales & Marketing

CDS Business Mapping

67 Broad St. – 6th Floor

Boston, MA 02109

617-737-4444

dmunson@cdsys.com

www.riskmeter.com