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Location Risk Intelligence
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Munich Re’s
Location Risk Intelligence

Replace risks by control by opting for a comprehensive risk assessment and management solution

Location Risk Intelligence keeps you in full control of natural disaster and climate change risks globally.

Location Risk Intelligence Platform is a comprehensive software solution to analyse and to manage physical risks of natural hazards and climate change. Alternatively, you can access the services and risk scores of the solution via the REST API (Application Programming Interface) and integrate this data seamlessly in your own applications.

This modular, powerful solution combines different complementary assessment models to generate detailed, meaningful assessments based on data from past events on the one hand, and future-oriented assessments that take into account a wide range of internationally agreed climate change scenarios on the other.

Due to its modular structure, this solution is available in three editions, as Natural Hazards Edition, Climate Change Edition or Wildfire HD Edition. However, all editions can be extended at any time with the other assessment models as well as with additional supplementary modules.

You also enjoy full flexibility with the deployment options. So it is up to you whether you access the solution via a web application or via the REST API. And the Natural Hazards Edition is even available as an on-demand version.

Location Risk Intelligence
Christof Reinert
Location Risk Intelligence is the only solution for the assessment of risks from natural disasters and climate change scenarios which is based on the largest and most comprehensive expertise worldwide gained from 141 years of risk assessment and management, as well as 15 years of continuous product development.
Christof Reinert
Head of Risk Management Partners
141 years of experience in risk assessment and management represent the world’s largest and most comprehensive knowledge base of natural disasters and form the basis for Munich Re’s Location Risk Intelligence.
More than 50 million risk assessments per year worldwide. And with a customer satisfaction rate of more than 90%.
15 years of continuous development make Location Risk Intelligence by far the most sophisticated solution with the largest functional depth, which will constantly be expanded with new functions and scores.
The solution accesses the world’s largest natural catastrophe loss database, NatCatSERVICE, which contains more than 45,000 entries on natural hazards.
Restore people’s lives
Extreme weather destroys assets worth billions
Munich Re

Reduce your risks to the minimum with the easy-to-use analysis tool for single locations or entire portfolios

Location Risk Intelligence supports organisations in assessing risks from natural hazards or climate change around the world – from individual locations, areas or infrastructure to entire portfolios – and helps to accelerate business processes and improve both portfolio and claims management.

By entering dedicated locations, users can access risk and hazard assessments in the form of risk scores for a variety of natural hazards and/or climate change risks, visualise them and save or download them as comprehensive reports.

Flexibility to the max

Cloud & API
Location Risk Intelligence is a SaaS solution, but alternatively you can access the scores of the solution via the REST API and use its data entirely in your own applications.
Freedom due to modularity
Thanks to the modular structure, each of the three editions can be supplemented at any time with the other and with additionally available modules as well. All in a single user interface.
Scalable to your needs
Assess single locations or entire portfolios with regard to both natural disasters and the consequences of climate change.
Location Risk

Choose the plan that suits you best

In the On-Demand plan, users without a contractual commitment can use credits that can be purchased directly on the website to determine risk assessments for individual locations and download them as meaningful reports.

In contrast to the subscription versions, the evaluation of portfolios is not possible in this option.

The Business subscription plan represents the entry into the modularly extendable platform versions.

It already contains six of the ten platform functionalities and can additionally be extended by the REST API function. This version also offers the opportunity to add all of the three risk score editions individually and optionally, as well as two of the three additional modules, such as the Flood Module and the Earthquake Module.

The Corporate subscription plan contains two further platform functionalities – the traffic light functionality as well as the location set filtering. Of course it can also be optionally extended by the REST API function and also offers the possibility of adding all three risk score editions individually and optionally, as described above.

The Enterprise subscription plan has all of the ten platform functionalities as standard and offers the widest range of extension options, including the Climate Change Expert Module, the advanced scoring functionality for area and line objects (such as a large production site or a motorway), and the REST API.

The ideal solution for fully assessing all risks and their impact on your entire portfolio.

In addition to the platform options, Location Risk Intelligence is available in two alternative API versions.

As a Standard API option or as an Advanced API option. With these two versions, you can seamlessly integrate your assessment tools and data sets from Location Risk Intelligence into your own application environment.

Subscription plans for every business

Platform options
Subscription plans On Demand Business Corporate Enterprise API Only
− Single location assessment
− Location geocoding
− Map services
− Portfolio assessment
− Save locations
− Elevation profiles
− Traffic light functionality
− Location set filtering
− Areas and lines scoring⁵
Climate Change Edition¹
− Climate Change Expert Module included* included*
− Flood module³ optional** optional** optional** optional**
− Earthquake Module⁴ optional** optional** optional** optional**
Natural Hazards Edition²
Additional Modules optional** optional** optional** optional**
Wildfire HD Edition
1Climate Change Edition includes the following risk scores: tropical cyclones zones, fluvial flood zones, sea level rise index, fire stress, drought stress, heat stress, precipitation stress (see also fact sheet). 2Natural Hazards Edition includes the following risk scores: earthquake, volcano, tsunami, tropical cyclone, extratropical storm, storm surge, tornado, hail, lightning, wildfire, river flood, flash flood (see also fact sheet). 3Flood Module includes Natural Hazards Defended (Netherlands and Belgium only) and enables the integration of additional data sources such as JBA, ZÜRS (Germany only), Environment Agency (UK only). 4Earthquake Module includes NATHAN® risk score and enables the integration of additional data sources such as GEM. 5Areas and lines scoring functionality is not available in combination with Wildfire HD Edition ● Included in this edition
○ Can be purchased additionally
* Included in the corresponding edition
** Can be purchased additionally for the corresponding edition

For more detailed information just download our “Location Risk Intelligence” fact sheet.

Single location assessment
You can score hazard risks for individual locations using location search. The location search works both by coordinates and by name. Based on what your needs are, you can search for natural hazard scores or climate scores.
Location geocoding
Visualise any locations based on an address search.

Geocoder transforms the description of a location, such as an address, or a name of a place to latitude and longitude coordinates on the earth’s surface, which can be used for risk analysis.
Map services
Map services are the visualisation of the available hazard datasets and are provided for all the maps you can find in Location Risk Intelligence.

Via the map services endpoint in the API you can visualise the maps in your dedicated working environment.
Portfolio assessment
Portfolio assessment allows you to score a set of assets, also called a portfolio. You can easily review the distribution of your portfolio across different hazard zones and filter by risk scores to identify red flags.

You can also run an analysis on your portfolio by filtering for different attributes in your location set. In addition you can also download reports from the portfolio assessment in the format of your choice.
Save locations
To avoid having to re-analyse and re-evaluate locations that you have already assessed, you have the possibility to save these results directly in the solution and retrieve them at any time.
Elevation profiles
Create elevation profiles between any two locations on the map.

By simply drawing a line between two points you can analyse the elevation (height above sea level) in a graph for the entire distance.
Traffic light visualisation
The identified hazard values are visualised on a normalised scale by easily interpretable “traffic light colours“.

For this purpose we have classified the hazard exposure into five categories: no or very low exposure, low exposure, medium exposure, high exposure and very high exposure. The traffic light visualisation simplifies the identification of red flags across hazards.
Location set filtering
Allows you to filter your location set according to different attributes like risk scores, per country, or depending on the level of geocoding quality. If your data contains additional attributes, you can use them as filter options as well.

Corresponding diagrams are shown per hazard and selected filters are applied. You can download the results of your analysis as a CSV or Excel file or create a PDF report.
Due to the integrated REST API, you have the opportunity to retrieve all scores, assessment tools and data sets in the form of a stateless protocol in order to seamlessly integrate them into your application environment.

APIs are offered in 2 tiers: API Standard and API Advanced.
Areas and lines scoring
The new extension of the risk assessment functionalities from points to lines and areas allows you to
significantly improve your assessments. Business data is not always ideally represented by an address or a coordinate. This is the case, for example for railway lines, oil and gas pipelines, roads, airports, industrial plants and ecological areas.

Areas and lines scoring capabilities show the percentage of an area exposed to natural hazards.
Munich Re Location Risk IMac Climate Impact Factors

Build your own solution from three complementary risk score editions and a further three, highly specialised add-on modules

supports companies in analysing and assessing the risks of future climate change. From a single asset to multiple assets within a portfolio located in areas prone to the effects of future climate change, such as:

  • Tropical cyclones
  • Fluvial flood
  • Sea level rise
  • Fire stress
  • Drought stress
  • Heat stress
  • Precipitation stress

In contrast to the Natural Hazards Edition, risk assessments are not calculated on the basis of past events, but on forecasts of future events that are expected to occur as a result of climate change.

In order to generate an all-encompassing assessment, the Climate Change Edition can be combined at any time with the functions and scores of the Natural Hazards Edition, Wildfire HD Edition and other modules.


is the ideal solution for companies which want to reliably evaluate the current status of their portfolios or individual locations. In addition to the comprehensive overall score, which is based on the three individually accessible detailed scores for earthquake, storm and flood, users receive dedicated ratings for a total of 11 natural hazards, including:

  • Earthquake
  • Volcano
  • Tsunami
  • Extratropical storm
  • Storm surge
  • Tornado
  • Hail
  • Lightning
  • Wildfire
  • River flood
  • Flash flood

All analysed locations are visually displayed in the form of detailed maps with risk layers and can be saved as reports together with all individual scores. The evaluation criteria can be extended modularly at any time by adding those of the Climate Change Edition, Wildfire HD Edition and other modules.


provides the analysis and assessment of the increasing risks of wildfires due to climate change in the USA, Canada, and Australia (New South Wales and Victoria, as well as the internal territory of Australian Capital Territory).

The maps in the Wildfire HD Edition offer, in contrast to those of Natural Hazards Edition or Climate Change Edition, a significantly higher resolution in order to generate even more detailed assessments.


provides more detailed information on the climatological stress indices and is also available via API.

It contains valuable complementary information to the set of climatological stress indices (heat stress, precipitation stress, fire weather stress and drought stress). Additionally, the Climate Expert Module makes information on the flood defences’ standard of protection (SoP) for river flood analyses available (provided by JBA Risk Management). For more details, see Climate Change Edition fact sheet.

includes Natural Hazards Defended for the Netherlands and Belgium and enables the integration of additional data sources such as JBA, ZÜRS (Germany only), Environment Agency (UK only).
includes NATHAN® risk score and enables the integration of additional data sources such as GEM.

How about trying our solution right now? Or would you rather talk to someone in person?