Geosapiens

Hail Model

Know where hail exposure should change insurance decisions. Model hail risk across North America using nearly two decades of historical observed events and the atmospheric conditions associated with hail. See the risk intelligence that historical records can never reveal alone.

Model approach

See hail exposure beyond the historical record.

Hail is sudden and highly localized, so reported events alone can leave gaps. Geosapiens also models the atmospheric conditions associated with hail to reveal more of where exposure actually exists.

Hail climatology

Built to capture the patterns of severe hail activity.

Geosapiens models hail frequency and hail size, providing a detailed view of where damaging hail events are most likely to occur. The resulting hazard metrics support underwriting, portfolio management, and exposure assessment at scale.

Property & portfolio intelligence

Consistent hail risk assessment across every location.

Evaluate hail susceptibility using standardized metrics designed for catastrophe risk management. Compare individual properties, identify concentrations of exposure, and monitor risk accumulation across portfolios with confidence.

Explainable AI

AI-driven insights designed for risk professionals.

Our explainable AI framework transforms complex hail risk signals into transparent, interpretable outputs. Risk teams can understand the factors influencing model results, supporting model governance, underwriting decisions, and portfolio reviews.

Turn complex hail hazard information into an actionable metric.

By combining modelled hail frequency and hail size into a standardized 1–10 score, Geosapiens helps underwriters and portfolio managers quickly identify higher-risk locations and concentrations of exposure.

Insurance decisions

From individual risk to portfolio accumulation, make hail part of the decision.

A localized hail event can damage many insured assets at once. Use a science-backed risk view to evaluate individual locations and see where exposure is concentrated.

Underwriting

Know when hail risk changes the terms.

Surface higher-exposure locations before bind, so underwriters can decide whether to write, refer, condition, or decline.

Pricing & actuarial

Price with more than claims history.

Use modelled hail exposure alongside loss history to distinguish locations that past claims alone may treat the same.

Portfolio risk

See where one storm could hit your book hardest.

Identify concentrations of higher-hail-risk locations so leaders can review appetite, capacity, and renewal strategy.

The science behind the models

Ground hail decisions in real-world evidence.

Hail can create concentrated losses in minutes. If the score is going to shape insurance decisions, your teams need confidence in the science behind it.

A methodology your teams can review.

See how the model is built, the assumptions behind it, and where its limitations apply, so teams can understand what the score represents and where it fits in their own risk framework.

Performance backed by rigorous testing.

The model is evaluated using independent validation techniques to ensure it accurately captures hail risk patterns across diverse geographies and conditions.

Expert support behind the model.

Work with Geosapiens specialists to interpret results, compare assumptions, investigate edge cases, and understand model updates.

From visual review to embedded workflows.

Review hail exposure visually in the Portal, return scores directly inside underwriting systems through the API, or bring the model data into your own GIS, catastrophe modelling, and analytics environment.

Choose how to access Geosapiens

Access & delivery methods

Get climate risk intelligence wherever your decisions happen.

Some teams need a map-based view. Some need data. Some need scores inside quoting, renewal, or underwriting workflows. Use the same risk intelligence in the way your teams already work.

Portal

Review the risk visually.

Use the portal to explore properties, compare risk layers, and create a shared view of exposure for underwriting, risk, and leadership conversations.

API

Embed risk insights inside your workflows.

Bring Geosapiens' standardized scores into third-party platforms or internal tools, so the risk signal appears right where the decision is made.

Data

Bring data outputs into your own analysis.

Give actuarial, catastrophe modelling, BI, and portfolio teams data outputs they can test, compare, and use inside your internal models, dashboards, and risk workflows.

See where hail could hit your book hardest.

Bring a property or portfolio sample. See which locations carry higher hail exposure and where that risk is concentrated across your book.