Abstract: Disclosed embodiments are directed at geospatial location-specific risk pricing of a peril. The disclosed embodiments can facilitate pricing insurance premiums for various types of perils such as flood, wildfire, volcano, etc. Based on collecting location-specific data of one or more characteristics of the Earth's surface, specific risk scores for a specific location can be derived. The specific risk scores can be processed to determine a premium for the specific location.

Abstract: Implementations described and claimed herein provide systems and methods for flood hazard zone modeling. In one implementation, one or more relevant stream segments are identified from an input stream network. One or more cross profiles are defined for one or more selected points on the relevant stream segments, with the selected points located within a flood hazard area. A high resolution flood level elevation map is generated by interpolating flood level elevation from the selected points. A flood depth map is generated having a flood depth value for each of the selected points computed as a difference between the high resolution flood level elevation map and a terrain elevation. One or more flood zones are defined in the flood depth map. The flood zones have a positive flood depth for a return period.