CDS Business Mapping

1. CDS Business Mapping RiskMeter Flood Elevation Overview Presented: October 5, 2006

2. The Risk Meter Online™ • Performs property risk reports • Quick, accurate, easy-to-use • Check individual risks or an entire book for geographic risks (Batch) • Uses GIS (mapping) technology • The right technology for the problem

3. The Risk Meter Online • Distance to Shore • Flood Zone Determinations (First American) • Proximity to Brush Fire Hazards (All Western States) • MMI, Soil, EQ Scores • Crime Scores • State Windpool Eligibility • State Tax Codes • Sinkholes • FL Windspeed Credit Maps • Hail Exposure Index • Tornado Exposure Index • Rating Territory (Your territories) • Slope, Aspect, Elevation • Aerial Photos • And More!!!

4. Key Flood Issues • Flood risk does not end at the edge of the zone • FEMA maps are modeled • Changes to the surface topology and coverings affect drainage and flooding • It has been estimated that ¼ of all flood claims occur outside of the 100 year flood plain • Companies writing non-NFIP flood should be concerned with risks beyond the 100 year flood plain

5. Standard Flood Map • Shown from above • For NFIP business, everyone simply checks to see if the property falls “within a flood zone” • No easy way to estimate risk outside of the 100 year flood zones Red-In the 100 year flood plain Green-Outside the 100 year flood plain

6. The Ideas behind the new report • Let people know when they are at risk and not in a flood zone • Use elevation as the secret weapon • Estimate this risk by returning • Proximity to the flood zone • Estimated height above the flood zone

7. Profile View

8. A Comparison Overhead View Profile View

9. This is a House in a Flood Plain The location falls within the extents of the flood plain

10. This is a Flooded House in a Flood Plain Base Flood Elevation (BFE) is the elevation of the surface of the water when flooded to the 100-year flood level

11. Is this House at Risk? This house is not in a flood zone, but it is very close

12. What if the FEMA Maps are Wrong? -FEMA Maps are modeled -Floods are often worse than predicted by FEMA -25% of all flood losses occur outside of 100 year flood zones

13. Concept behind new Report Make better decisions about properties close to 100 year flood zones

14. Information Returned • Standard fields in RiskMeter flood reports, plus: • FEMA Flood Zone • Distance to nearest flood zone (A or V) • Elevation • Estimated Base Flood Elevation (eBFE) • Estimated height above flood zone • In a Flood Zone, estimated water depth

15. Benefits • Excess Flood Providers • Better evaluate risks that are near flood zones • Recognize the risk, even though the property is located outside of the flood zone • Agents/Companies selling flood insurance • Let people know that they are very close to a flood zone • Explain the risk, and how inexpensive flood coverage will be • Sell more flood insurance • Valid for both NFIP and non-NFIP business

16. Future Enhancements • Storm surge modeling will be added • Identifying areas protected by levees • Better elevation shading • Overlay risk layers on aerial photos

17. Questions? Dan Munson 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