Comprehensive Insurance Risk Assessment

Residential Real Estate

• FHI (Flood Hazard Index) — composite inundation susceptibility for rapid “go/no-go” screens and preliminary rating.
  Products: FHI derived from DEM hydrology.
• HAND (Height Above Nearest Drainage) — relative height to the stream network; strong proxy for flood/wetness risk at the parcel scale.
  Products: HAND from DEMSA2/SUDEM.
• DEM/DTM — precise ground heights for floor-level differentials, overland-flow paths and flood-defensible-space design.
  Products:
  DEMSA2 L1 (2 m DEM),
  DEMSA2 L3 (DTM),
  SUDEM5 (5 m).

Commercial Property

• Slope / Roughness / Curvature — terrain drivers for shallow debris/erosion and drainage performance around yards and platforms.
  Products: DEM derivatives (DEMSA2/SUDEM)
• Flow Direction & Flow Accumulation — trace pathways and upslope area to place inlets, berms and basins; portfolio roll-ups by catchment. (standard hydrology workflow)
  Products: Hydrology suite (DEM derivatives)

Agricultural Insurance

• TWI (Topographic Wetness Index) — terrain-driven wetness potential for saturation/ponding; complements drought indices.
  Products: TWI from DEMSA2/SUDEM
• Land Capability / Soil Potential — long-term productivity and sensitivity to land-use; supports peril-specific pricing.
  Products: Land/Soil capability layers

Infrastructure & Utilities

• Stream Network & Catchments — delineate downstream consequence areas for bridges, ducts and substations.
  Products: Stream Order Network / Catchment delineations
• Distance to Water (rivers, wetlands, waterbodies, coast) — buffers & setbacks for regulatory and risk-pricing rulesets.
  Products: Distance-to water suites

Environmental Liability

• Protected & Conservation Areas (SAPAD/PACA) — screen for no-go/low-impact zones; support liability limits and exclusions.
  Products: Protected/Conservation overlays
• Land-cover (SANLC 2018) — baseline land use for change detection and claim verification.
  Products: SANLC 2018 Land Cover

Natural Disaster

• Model-ready DTM — high-resolution terrain for 1D/2D HEC-RAS flood meshes and event scenarios.
  Products: DEMSA2 L3 / SUDEM5 model-ready terrain
• Landslide susceptibility inputs — Slope %, curvature, geology and land-cover for debris/shallow-slide screening.
  Products: DEM derivatives + SA Geology  + SANLC

Healthcare Facilities

• HAND/TWI thresholds — pre-define alert bands for low-lying & saturation-prone campuses; link to evacuation routing.
  Products: HAND and TWI  + Road networks
• Viewshed / Line-of-Sight — visibility of CCTV, helipads and alarm beacons for continuity of operations.
  Products: Viewshed service (DEM/DSM)

Common Risk Inputs

• Elevation models: DEMSA2 (2 m), SUDEM5 (5 m), SRTM 90 m for baselines.
• Hydrology: Flow Direction, Flow Accumulation, Stream Order, Catchments.
• Exposure: Distance to rivers / wetlands / waterbodies / coast; elevation bands (coastal lowlands).
• Terrain: Slope %, curvature, roughness; contours (50 cm options).
• Delivery: PDF reports, GIS layers, and API/CAD-ready packages for pricing engines and BI dashboards.