Measure Risk to Build Resilience

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based on best practice actuarial techniques and medical science</p> </span> <span> <a href="https://www.miuinsights.com/" target="_blank">Miu Portal <span></span> </a> <p class="small-text">Explore analytics and risk insights for the alternative capital market</p> </span> </div> </div> </div> <div class="button-box"> <a href="/about/contact-us" class="btn-red"> <span>Contact Us</span> </a> </div> </nav> </div> </div> </div> <div class="bottom-nav"> <div class="container"> <div class="wrapper"> <p>Insurance Solutions</p> <p>Formerly Moody’s RMS</p> </div> </div> </div> </header> </div> <div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <div> <div id="block-rms-content"> <article role="article" about="/solutions/resilience" typeof="schema:WebPage"> <span property="schema:name" content="Resilience" class="hidden"></span> <div> <section class="banner-with-carousel adjust-banner wow fadeIn " data-wow-delay="0.4s" > <div class="bg-img wow fadeIn" data-wow-delay="0.5s"> <img src="/sites/default/files/content/paragraph/banner-fourth-level/2020-11/resilience-hero.jpg" width="1440" height="600" alt="resilience" loading="lazy" typeof="foaf:Image" /> </div> <div class="row-wrapper"> <div class="container"> <div class="col-two inner-content"> <h1>Resilience</h1> <h5> Own your view of risk, starting from a place of knowledge rather than uncertainty. </h5> </div> <div class="col-two right-block "> <div class="slider-outer-block"> <div class="items news-video"> <div class="row-wrap"> <div class="col-box media-block"> <a href="/customer-success-story/california-earthquake-authority" > <img src="/sites/default/files/2023-06/MoreResilientEarthquake-355.jpg" width="355" height="315" alt="city" loading="lazy" typeof="foaf:Image" /> </a> </div> <div class="col-box content-block"> <a href="/customer-success-story/california-earthquake-authority">Creating a More Resilient Earthquake Insurance Marketplace in California</a> <h4>Creating a More Resilient Earthquake Insurance Marketplace in California</h4> <p>The California Earthquake Authority (CEA) is one of the world’s largest providers of residential earthquake insurance representing over one million policyholders and with a claims-paying ability of about $19 billion. The organization is committed to mitigating earthquake risk and reducing the protection gap which exists in California, where take-up of residential properties is approximately 10%.</p> <div class="button-block"> <a href="/customer-success-story/california-earthquake-authority" class="learn-more">Learn More</a> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="col-four-with-slider no-padding-top four-slides" > <div class="overview-block wow zoomIn" data-wow-delay="0.5s"> <div class="container"> <h2>Risk Is Opportunity</h2> <p><span><span><span><span><span><span>The effects of catastrophes can be managed through the right risk-mitigation decisions, physical protections, and cutting-edge data and science. See how Moody's advanced modeling techniques enable individuals, companies, and governments to quantify and reduce their risk with confidence.</span></span></span></span></span></span></p> <div class="button-box"> </div> </div> </div> <div class="content-outer"> <div class="container"> <div class="slider-block wow fadeIn" data-wow-delay="0.5s"> <div class="slide-outer"> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3>Effect on ROI</h3> <p> Quantify the impact of potential investment decisions to understand ROI. </p> </div> </div> <div class="hover-state"> <div class="content-footer"> <h3>Effect on ROI</h3> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3>Crisis Management</h3> <p> Optimize your crisis management based on real-world likelihoods. </p> </div> </div> <div class="hover-state"> <div class="content-footer"> <h3>Crisis Management</h3> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3>Investment Decisions</h3> <p> Assess potential future investment decisions (e.g., risk-mitigation measures such as flood defenses). </p> </div> </div> <div class="hover-state"> <div class="content-footer"> <h3>Investment Decisions</h3> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3>Independent View of Risk</h3> <p> Use our expertise to create your own independent view of risk that can be used as the basis for all risk-based decisions. </p> </div> </div> <div class="hover-state"> <div class="content-footer"> <h3>Independent View of Risk</h3> </div> </div> </div> </div> </div> </div> <div class="button-wrap"> <span class="button pre-btn"></span> <span class="button next-btn"></span> </div> </div> </section> <section class="col-four-with-slider bg-grey three-slides" > <div class="overview-block wow zoomIn" data-wow-delay="0.5s"> <div class="container"> <h2>Earthquake</h2> <p>Learn how California Earthquake Authority is Creating a More Resilient Earthquake Insurance Marketplace</p> <div class="button-box"> </div> </div> </div> <div class="content-outer"> <div class="container"> <div class="slider-block wow fadeIn" data-wow-delay="0.5s"> <div class="slide-outer"> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/offer/quantifying-the-impact-of-home-retrofit-in-california">Quantifying the Impact of Home Retrofit in California:</a></h3> <p> Supporting the Case for Earthquake Retrofit Credits for California Homes. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/2023-07/California-WP-1440x420.jpg" width="1440" height="420" alt="fault line" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Quantifying the Impact of Home Retrofit in California:</h3> <a href="/offer/quantifying-the-impact-of-home-retrofit-in-california" class="learn-more">Learn More</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/customer-success-story/california-earthquake-authority">Creating a More Resilient Earthquake Insurance Marketplace in California</a></h3> <p> The California Earthquake Authority (CEA) is one of the world’s largest providers of residential earthquake insurance representing over one million policyholders and with a claims-paying ability of about $19 billion. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/2023-06/MoreResilientEarthquake-355.jpg" width="355" height="315" alt="city" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Creating a More Resilient Earthquake Insurance Marketplace in California</h3> <a href="/customer-success-story/california-earthquake-authority" class="learn-more">Learn More</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="https://www.rms.com/models/earthquake">Earthquake</a></h3> <p> Each Moody’s RMS earthquake model provides comprehensive coverage of seismically active regions across the globe, incorporating the latest research and science to give you the most informed view of earthquake risk. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/paragraph/banner-third-level/2020-03/earthquakes-hero.jpg" width="1440" height="600" alt="earthquake" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Earthquake</h3> <a href="https://www.rms.com/models/earthquake" class="learn-more">Learn More</a> </div> </div> </div> </div> </div> </div> <div class="button-wrap"> <span class="button pre-btn"></span> <span class="button next-btn"></span> </div> </div> </section> <section class="col-four-with-slider three-slides" > <div class="overview-block wow zoomIn" data-wow-delay="0.5s"> <div class="container"> <h2>Wildfire</h2> <p>Learn how organizations are mitigating against the risk of growing wildfire risk. </p> <div class="button-box"> </div> </div> </div> <div class="content-outer"> <div class="container"> <div class="slider-block wow fadeIn" data-wow-delay="0.5s"> <div class="slide-outer"> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/blog/2022/03/16/us-wildfire-calculating-the-value-of-mitigation-benefits-from-forest-treatment-strategies">U.S. Wildfire: Calculating the Value of Mitigation Benefits From Forest Treatment Strategies</a></h3> <p> The hallmarks of climate change – such as prolonged drought, record high temperatures, or even increased rainfall – have helped accelerate wildfire risk in California and other western states in North America. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2022-03/AFF%20422px.jpg" width="422" height="220" alt="wildfire" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>U.S. Wildfire: Calculating the Value of Mitigation Benefits From Forest Treatment Strategies</h3> <a href="/blog/2022/03/16/us-wildfire-calculating-the-value-of-mitigation-benefits-from-forest-treatment-strategies" class="learn-more">Learn More</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/offer/wildfire-mitigation">Application of Wildfire Mitigation to Insured Property Exposure</a></h3> <p> How could effective wildfire risk reduction measures be applied to insured property exposures? </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/paragraph/banner-third-level/2020-12/Wildfire-WP-hero.jpg" width="1400" height="340" alt="wildfire" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Application of Wildfire Mitigation to Insured Property Exposure</h3> <a href="/offer/wildfire-mitigation" class="learn-more">Learn More</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/customer-success-story/southern-california-edison">Wildfire Risk: Quantifying the Impact of Mitigation Measures in the Power Sector</a></h3> <p> Measuring Improved Outcomes Around Wildfire Risk Southern California Edison (SCE) is a retail utility company that handles electrical distribution and transmission serving 15 million people across a region of 50,000+ square miles. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/2023-04/socal-edison-tn.jpg" width="600" height="600" alt="wildfire" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Wildfire Risk: Quantifying the Impact of Mitigation Measures in the Power Sector</h3> <a href="/customer-success-story/southern-california-edison" class="learn-more">Learn More</a> </div> </div> </div> </div> </div> </div> <div class="button-wrap"> <span class="button pre-btn"></span> <span class="button next-btn"></span> </div> </div> </section> <section class="col-four-with-slider bg-grey three-slides" > <div class="overview-block wow zoomIn" data-wow-delay="0.5s"> <div class="container"> <h2>Climate Change</h2> <p>Learn about how governments are approaching the new reality of a changing climate.</p> <div class="button-box"> </div> </div> </div> <div class="content-outer"> <div class="container"> <div class="slider-block wow fadeIn" data-wow-delay="0.5s"> <div class="slide-outer"> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/customer-success-story/eca-vaud">Preparing for a Riskier Future: Conducting Detailed, Climate-Focused Portfolio and Location Analyses</a></h3> <p> Enhancing Confidence in Insurance and Risk Strategy with Improved Data Insights ECA Vaud (Etablissement Cantonal d’Assurance) is a public body focused on managing, insuring, and mitigating the risk of natural perils to the population of the canton of Vaud, one of the 26 cantons of the Swiss Confederation. Its overriding mission focuses on supporting loss prevention efforts, facilitating effective incident response, and providing comprehensive, affordable insurance. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/2023-03/ECAVaud_CaseStudy_image.png" width="355" height="315" alt="People in office" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Preparing for a Riskier Future: Conducting Detailed, Climate-Focused Portfolio and Location Analyses</h3> <a href="/customer-success-story/eca-vaud" class="learn-more">Learn More</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="https://www.rms.com/sites/default/files/2020-03/BC_Flood-Management-Study_RMS-Report.pdf">Flood Risk Management Study for Fort Lauderdale and Hollywood, Broward County, FL</a></h3> <p> Broward County is exposed to flooding from a variety of sources. These range from frequent, comparatively low impact events such as ‘sunny day flooding’ caused by extreme high tides to large-scale storm surges, which occur infrequently but can have a catastrophic impact on the County, its residents, businesses, infrastructure and ecosystems. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/paragraph/banner-third-level/2021-03/climate-change-models.jpeg" width="1440" height="440" alt="climate change" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Flood Risk Management Study for Fort Lauderdale and Hollywood, Broward County, FL</h3> <a href="https://www.rms.com/sites/default/files/2020-03/BC_Flood-Management-Study_RMS-Report.pdf" class="learn-more">Learn More</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="https://www.rms.com/sites/default/files/2020-03/DELDOT-RiskMgmt.pdf">The Delaware Floodplain Impacts of Severe Storms on Infrastructure in a Low Lying State</a></h3> <p> Moody's was commissioned to develop a Risk and Resilience Framework for DelDOT. The purpose was to provide an objective process to help enable DelDOT’s leadership team to identify, quantify and manage the risks to its network aligned with their priorities. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/paragraph/banner-with-video-card/2021-11/SeasonOfFlood_Hero_R3-min.jpeg" width="1440" height="600" alt="flood" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>The Delaware Floodplain Impacts of Severe Storms on Infrastructure in a Low Lying State</h3> <a href="https://www.rms.com/sites/default/files/2020-03/DELDOT-RiskMgmt.pdf" class="learn-more">Learn More</a> </div> </div> </div> </div> </div> </div> <div class="button-wrap"> <span class="button pre-btn"></span> <span class="button next-btn"></span> </div> </div> </section> <section class="intro-section no-padding-bottom no-padding-top " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Expert Teams That Understand Risk</h2> <p><span><span><span><span><span><span>Leverage world-class experts in catastrophic risk with a deep understanding of risk management and disaster preparedness analytics.</span></span></span></span></span></span></p> <div class="button-box"> </div> </div> </div> </section> <section class="col-three-with-image data-detail-page-overview model-overview no-padding-top" > <div class="container"> <div class="col-grid row no-gutters"> <div class="col-lg-4 col-md-6 content-box wow fadeInUp" data-wow-delay="0.4s"> <div class="bg-img"> <img loading="lazy" src="/sites/default/files/2020-11/strategic-consulting-hero.jpg" alt="risk-intelligence"> </div> <div class="blue-overlay wow fadeInUp" data-wow-delay="0.4s"> <div class="cover-heading"> <h5>Assess Risk and Strategy</h5> </div> <div class="content"> <p>Moody's consultants help analyze your current risk position, identify opportunities and threats, and uncover ways models can enhance your organization’s risk management. </p> <div class="button-box "> <a href="/services/assess-risk-and-strategy" class="learn-more ">Learn more</a> </div> </div> </div> </div> <div class="col-lg-4 col-md-6 content-box wow fadeInUp" data-wow-delay="0.4s"> <div class="bg-img"> <img loading="lazy" src="/sites/default/files/2020-03/event-response_0.jpg" alt="event-response"> </div> <div class="blue-overlay wow fadeInUp" data-wow-delay="0.4s"> <div class="cover-heading"> <h5>Event Response Services</h5> </div> <div class="content"> <p>Predict the potential impact of active catastrophic events on your business with high-fidelity event response data delivered in real time. </p> <div class="button-box "> <a href="/event-response/event-response-services" class="learn-more ">Learn more</a> </div> </div> </div> </div> <div class="col-lg-4 col-md-6 content-box wow fadeInUp" data-wow-delay="0.4s"> <div class="bg-img"> <img loading="lazy" src="/sites/default/files/2020-03/Analytical-Services_2.jpg" alt="analytical"> </div> <div class="blue-overlay wow fadeInUp" data-wow-delay="0.4s"> <div class="cover-heading"> <h5>Manage Your Business</h5> </div> <div class="content"> <p>Expand your analytics capabilities with Moody's RMS-managed and on-demand analytical services offered by a worldwide team of 400 specialists with deep domain knowledge and rapid responsiveness. </p> <div class="button-box "> <a href="/services/manage-your-business" class="learn-more ">Learn more</a> </div> </div> </div> </div> </div> </div> </section> <section class="intro-section no-padding-bottom " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Related Products</h2> <div class="button-box"> </div> </div> </div> </section> <section class="reference-carousel-with-img" > <div class="container wow fadeInUp" data-wow-delay="0.4s"> <div class="col-wrapper"> <div class="inner-wrapper"> <div class="col-item"> <div class="row"> <div class="col-md-4 col-sm-12 media-block"> <div class="img-box"> <a href="/more-software-products/risklink"><img loading="lazy" src="/sites/default/files/2020-04/RiskLink.jpg" alt=""></a> </div> </div> <div class="col-md-8 col-sm-12 content-block"> <h4> <a href="/more-software-products/risklink">RiskLink </a> </h4> <div class="description"> <p>Identify areas of unexpected concentrations or aggregations and quantify catastrophic risk potential for diverse lines of business across a wide range of perils and geographic regions. </p> </div> <div class="button-box"> <a href="/more-software-products/risklink" class="learn-more">Learn More</a> </div> </div> </div> </div> <div class="col-item"> <div class="row"> <div class="col-md-4 col-sm-12 media-block"> <div class="img-box"> <a href="/data/hazard-data"><img loading="lazy" src="/sites/default/files/2020-03/Hazard-Data-Overview_3.jpg" alt=""></a> </div> </div> <div class="col-md-8 col-sm-12 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