Abstract: The disclosed technology provides systems and methods for estimating the risk of loss for a location. A computer implemented method in accordance with the disclosed technology accesses one or more geographical characteristics associated with a geographical address, considers a plurality of perils and for each peril, computes a corresponding measure of peril that indicates a risk of loss at the geographical address from that peril. The corresponding measure of peril is computed based on the geographical characteristic(s) associated with the geographical address. The individual measures of peril are combined to form a combined measure that indicates a combined risk of loss at the geographical address from the plurality of perils. In one embodiment, the combined measure is used to compute an insurance premium for property at the geographical address. The disclosed technology also includes a computer executing software, wherein the executed software causes the computer to perform the steps above.