1. Presented by:Dan Munson Founder, VP of Sales & Marketing Presented:July 13, 2010 CDS Business Mapping Advanced Flood Copyright © 2010, CDS Business Mapping, LLC. All Rights Reserved.

2. About CDS Business Mapping  Founded in 1994 as a mapping (GIS) consulting company  Has evolved into a company that specializes in hazard mapping for insurers  Main business now revolves around the RiskMeter and related services  Company is now a national leader  Complete projects/maps on a service basis  Sell a complete line of mapping software

3. The Risk Meter Online™  Performs property risk reports  Internet based service  Instant results  Quick, accurate, easy-to-use  Check individual risks or an entire book for geographic risks (Batch)  Software has been in use since 1996  Internet version (RM Online) 1998

4. Reports Available  Distance to Shore  Flood Zone Determinations  Proximity to Brush Fire Hazards  MMI, Soil, EQ Scores (RMS & EQE)  Crime Scores  State Wind Pool Eligibility  Storm Surge  State Tax Codes  Hail Exposure Index  Tornado Exposure Index  Rating Territory (Your territories)  Building Characteristics (year built/SF/# of Stories, etc)  Slope, Aspect, Elevation  RMS & EQE Wind & Quake Modeling (AAL’s & PML’s)  And More!!!

5. FEMA Firmette

6.  A FIRMette is a full-scale section of a FEMA Flood Insurance Rate Map (FIRM)  Black and White COMMUNITY Maps  User must find the subject and determine zone  These maps are up to date except for Letters of Map Revisions (LOMR) and Letters of Map Amendments (LOMA) are not reflected on these maps  Very hard to read  No automation or batches  EXTREMELY SLOW PROCESS

7. DFIRM Map

8. DFIRM Map Viewer  Digital maps: GIS, similar to RiskMeter  Uses two sets of digital data  Dfirms  Up to date, but poor coverage  Q3 Flood Data  Missing Coverage - ~1,800 counties  Very old data! No updating since 1998!  FEMA makes tens of thousands of updates every year.  Still does not locate subject or determine zone  Coverage is poor  Hard to read, map functionality is poor  No automation or batches  Aerials – Maybe – Do they work?

9. FEMA Digital Coverage Purple regions (DFirms) Up-to-date Orange regions are Q3 data Have not been updated in more than a decade! White areas have no coverage RiskMeter has every official flood panel

10. RiskMeter Maps  Digital versions of the FEMA flood maps  100% coverage of all FEMA Maps  Very fast and easy process  Locates the subject and automatically determines the flood zone  Updated on a monthly basis  Can be integrated into an underwriting system and run in a batch  Overlay flood zones on top of Aerial Images  Includes digital LOMRs and LOMAs  Adding Parcel data – Increased geocoding accuracy

11. RiskMeter Maps Street Map BackgroundAerial Background

12. Evaluating Flood Risks – Beyond the Zone  FEMA statistics show that 1/4 - 1/3 of flood claims occur outside the 100 year flood plain  FEMA Flood Zone  All A & V zones are considered in the 100 year flood zone  Proximity to Flood Zone  FEMA maps are models; floods can be larger than predicted  Elevation difference between Building and BFE  The greater the elevation difference, the more forgiving  Storm Surge  FEMA flood maps are inland flood models  Do not account for surge from a coastal storm  Millions of locations countrywide are in areas affected by storm surge but not in a 100 year flood plain

13. Flood Elevation Report Flood Zone FEMA Flood Zone Distance to Flood ZoneDistance to the nearest 100 year flood zone (The further away, the better) Base Flood Elevation (BFE)The elevation of the surface of the water when at the 100 year flood stage BFE SourceFEMA or CDS Height above BFEIf the location falls outside the 100 year flood plain, this is how much above the flood plain the location is (the greater the number, the better) Water DepthIf the water falls inside the 100 year flood plain, then this is how deep the water will be during the modeled 100 year flood (The higher the value, the worse it is)

14. Why Use Flood Elevation Report? This house is in a 100 year Flood Plain

15. Why Use Flood Elevation Report? This house is now flooded in a Flood Plain

16. Why Use Flood Elevation Report? Is this house at risk?

17. Why Use Flood Elevation Report? It is if the FEMA Maps are Wrong.

18. Why Use Flood Elevation Report? With RiskMeter, you can minimize your risk.

19. Base Flood Elevation Logic  If exists, FEMA data is used  Only exists in AE, VE, A#s & V#s  Data missing in some AE & VE zones  If doesn’t exist, CDS data is used  Proprietary methodology: We are the only people that know how to do this  Works for all 100 year zones  Can work for 500 year zones  BFE Source Field  Tells whether data comes from FEMA or CDS

20. Storm Surge  To gain a better understanding of storm surge exposure, CDS Business Mapping has added a SLOSH based storm surge report to the RiskMeter Online. SLOSH stands for (Sea, Lake and Overland Surges from Hurricanes) and it estimates the storm surge for each category of storm based upon the wind speed, wind direction, bathymetry (underwater topography) and topography.  By simply typing in an address, users can see if a policy falls within an area likely to flood from a hurricane of a specific strength (category 1-5), as well as the maximum storm surge height for each category of storm.

21. Storm Surge Minimum Hurricane CategoryTells the lowest category of hurricane to effect the area (1 Highest Risk-5 Lowest Risk; 0 No Risk) Category in HeightsThese are the heights above SEA LEVEL for a hurricane of each category Elevation (FL Elevation Report)This is the ground elevation at the location Surge Score0 - No Risk 1 – Low Risk (need cat5 hurricane to flood) 5 – High Risk (need only cat1 hurricane to flood) Notes: Subtract the Elevation from the Cat5 Height to determine potential flood depth (The higher the number, the worse); Cat5 Height – Elevation = Potential Water Depth

22. Surge Contours

23. Storm Surge

24. Flood Zone vs. Storm Surge

25. Surge Map

26. Manual Placement and Aerial Overlay  Getting the location correct  Riskmeter allows users to see physical buildings using Aerial Images.  Overlay flood zones/surge layers on top of Aerial to see if hazard touches building (works with all layers)  Manual Placement option allows the user to locate the structure by clicking on the building in the Aerial Image  Multiple buildings on property  Large plants and warehouses  New Developments that are not mapped out  Unacceptable geocoding results  Close proximity to flood zone  Parcel Geocoding  New option  Increases positional accuracy

27. Manual Placement and Aerial Overlay Use the Aerial to locate the building and get the proper zone!

28. Manual Flood Determination  Properties that are in close proximity to a flood zone may require further analysis to get the proper zone  Manual Determinations check all digital flood zones as well as LOMRs and LOMAs  Similar to a flood certificate  Same process as certificate but no financial guarantee  Use when unsure of answer or when building cannot be located

29. Batch  All RiskMeter reports can be run in a batch  Very quick way to identify potential flood risks  This means you can submit schedules of addresses for analysis and receive results in a spreadsheet format  Grouped policies, book of business  Flood zones change so you may want to run your book on an annual basis  Results are back within minutes  24/7, 365 days self service website

30. Flood Account Options  Proximity Warning  Distances can be set  BFE’s  From FEMA maps  Only available in AE,VE, A#s & V#s  CDS Flood Elevations can be estimated for all zones  500 year report possible  Elevation Readings  Parcel Geocoding  Uses centroid of parcel

31. Questions? Dan Munson Founder, Vice President of Sales & Marketing CDS Business Mapping 67 Broad St. – 6 th Floor Boston, MA 02109 617-737-4444 dmunson@cdsys.com www.riskmeter.com