AIRProfiler is a web-based application that provides a quick and cost-effective means to assess the natural catastrophe hazard facing individual property locations. In addition, AIRProfiler makes AIR’s extensive hazard and locational databases available to underwriters, risk managers, real estate agents, lenders, and individual property owners throughout the United States. AIRProfiler provides users with absolute risk scores and relative risk scored based on three measures: the average annual loss (AAL), the 100-year return period loss, and the 250-year loss.

AIRProfiler’s risk information is based on the geocode of a location. One of AIRProfiler’s main advantages is the high-resolution grid on which the risk and relative risk scores are calculated. Unlike the ZIP Code level calculations typically used by other products, AIRProfiler calculates risk scores for much smaller areas, thus capturing highly localized variations in hazard potential within each ZIP Code.

In addition to risk scoring, users receive valuable information about the hazard-related geological and geographical characteristics of the region within which the property is located. In the case of the earthquake hazard, for example, these include the presence of earthquake-induced landslide zones as defined by the Division of Mines and Geology (DMG), susceptibility to soil liquefaction, distance to the nearest fault, and information on nearby historical earthquakes. For hurricane-exposed risks, users are provided with information on storm surge potential, land use/land cover, distance from the coast, and the track and intensity of historical hurricanes that have affected the location.