Underwriting and Risk Selection

Wind Risk Assessment

Property-level straight-line wind risk score that translate complex wind dynamics and structural context into clearer risk segmentation and pricing alignment.

Rising wind losses require smarter property-level differentiation

Straight-line wind continues to drive significant homeowners losses, and volatility remains difficult to manage. Pricing structures often reflect broad geographic exposure rather than property-level structural differentiation that materially influences loss outcomes.

Similar wind exposure, different outcomes

Wind loss outcomes are driven not only by the property location but how a specific structure responds to wind. Variations in structural and surrounding characteristics can materially influence how similar wind exposure affects individual homes. Failure to capture those differences can leave elevated vulnerability embedded within the portfolio—contributing to wind-driven loss volatility and inconsistent segmentation.

Informed decisions, simplified

LOCATION^® Wind helps insurers identify elevated straight-line wind risk earlier and manage volatility more precisely across underwriting, pricing, and portfolio strategy.

Differentiate wind risk beyond geographic exposure

Use the integrated wind risk score to distinguish properties that are structurally more susceptible to wind damage – even when exposed to comparable wind conditions.

Strengthen pricing alignment

Incorporate integrated property-level wind risk differentiation into rating strategies to strengthen pricing alignment and segmentation precision.

Detect elevated wind vulnerability earlier

Identify structural characteristics and surrounding property context that increase wind susceptibility before loss emerges.

Enhance portfolio visibility

Evaluate how wind risk distribute and cluster across regions and books of business to better understand structural concentration and volatility drivers.

Features and capabilities

As part of Verisk’s LOCATION suite, LOCATION Wind translates complex structural and localized wind dynamics into a clear, property-level wind risk score to support underwriting, pricing, and portfolio management.

A single, integrated wind risk score

A property-level wind risk score from 1 (lowest relative risk) to 100 (highest relative risk) enables differentiation by capturing how structural vulnerability interacts with localized wind exposure.

Explainable risk insights

Attribute-level visibility into the drivers of wind risk, supporting transparency, interpretation, and confident decisions.

LOCATION Wind is built on Verisk’s proprietary roof and property intelligence and informed by historical wind loss experience.

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