Area Location
Risk Intelligence
We don't just assess risk — we comprehend it in the space it exists, delivering superior, customised solutions through geospatial intelligence and actuarial science.
Our interactive platform lets you visualise risk on a live map. Filter by risk category — flood, wildfire, seismic, coastal — and drill into individual sites with area risk analysis, exposure distribution and severity breakdowns.
Last-Metre Precision in
Commercial Property Risk
In commercial property, risk mitigation is the cornerstone of long-term asset viability and financial stability. Riskscape's Area Location Risk provides a sophisticated geospatial hazard intelligence layer that moves beyond generic data to deliver site-specific precision.
Accurate Pricing
Identify exposure to flood, landslide, fire and seismic risks to more accurately price insurance premiums and safeguard mortgage portfolios against physical climate risks.
Infrastructure Resilience
Ensure infrastructure resilience through multi-hazard assessment at asset level — moving beyond generic postcode data to property-level, remotely-sensed intelligence.
Capital Protection
Proactively manage perils that could otherwise result in catastrophic capital loss or business interruption — with confidence grounded in locally calibrated South African data.
8 Perils. One Unified Platform.
Each peril is modelled independently at property level, then layered into a single risk aggregation view — giving you cumulative exposure across your entire portfolio.
Comprehensive Hazard Intelligence
Across Every Risk Dimension
Each site report delivers structured, queryable data across crime, flood, climate, seismic, coastal, financial and emergency access dimensions — every field grounded in SA-specific datasets.
Crime & Safety
Covers burglary (residential & non-residential), motor vehicle theft and theft from motor vehicles — all rolled out to area level from official SAPS data.
Flood Risk
Flood vulnerability indices and classifications derived from 2m DTM flood modelling, drainage networks and 1-in-100-year rainfall simulations.
Climate & Weather
Historical climate datasets including temperature, precipitation, humidity and severe weather events — all at area level with monthly granularity.
Seismic & Dolomite
Probabilistic Seismic Hazard Analysis (PSHA) with multiple return periods plus dolomite risk classification — dolomite presence indicates potential for sinkhole activity.
Coastal Risk
Full coastal risk profile including ocean and storm hazard indices, sea-level height and storm surge exposure — critical for coastal and waterfront assets.
Financial
Subplace-level financial intelligence — HFI, growth momentum, LTV metrics and market dynamics — enabling credit and underwriting decisions grounded in local property economics.
Emergency Access
Emergency service proximity scoring — response-time intelligence for insurers, property risk managers and infrastructure planners.
Crime & Safety (Estates)
Additional market and neighbourhood context layers that inform portfolio risk concentration, pricing adequacy and long-term asset viability.
Site Manager — Full Portfolio View
The Site Manager provides a live, interactive map of your entire asset portfolio. Every site is plotted, clustered by proximity, and instantly classified by any risk or asset dimension — giving portfolio managers, underwriters and risk officers a single, authoritative view of exposure.
Asset Classification
Colour-code clusters by total insured value or asset exposure in rand
Group and visualise sites by business unit, region or policy class
Classify sites by policy type for portfolio-level underwriting views
Risk Classification
Colour-grade all sites by area-level crime index from SAPS data
Visualise flood risk exposure across the portfolio in a single view
Temperature, rainfall and severe weather risk at site level
Peak Ground Acceleration and seismic hazard classification per site
Dolomite risk classification and sinkhole potential per site
Micro-landslide and slope instability risk per site
Coastal exposure, storm surge and sea-level height per site
Proximity to police, fire and medical emergency services
HFI, LTV and market dynamics for every site in the portfolio
Area of Influence
Define and visualise the area of influence around each site — critical for understanding which surrounding hazards, infrastructure and demographics affect a specific asset's risk profile.
Built for Decision-Makers
From live map visualisation to one-click reporting and full API integration — the platform fits your workflow.
Interactive Dashboards
High-resolution hazard layers including flood, seismic and wildfire risks visualised on a live map. Filter by risk category and drill into individual sites for exposure distribution and severity breakdowns.
Seamless Integration
Robust REST API for direct ingestion into underwriting platforms, portfolio management systems and decisioning workflows — built for production workloads in any technology stack.
Actionable Reporting
One-click PDF exports for rapid stakeholder communication and audits. Structured outputs ready for insurers, lenders, engineers and risk managers.
The Technology Behind
Every Assessment
HD Addressing & Mapping
SA-tailored geocoding engine with proprietary cadastre covering suburbs, rural areas, informal settlements and estates — meter-level accuracy across South Africa.
3D Structure Detection
LiDAR and aerial photography to build 3D models, estimate floor sizes and detect single vs multi-storey buildings — enabling accurate replacement cost and exposure modelling.
Risk Aggregation
Single-event analysis layered across all standalone peril products, enabling a unified view of cumulative risk exposure across entire portfolios.
Physical Risk Assessments
High-resolution peril assessments grounded in detailed remotely-sensed data — delivering superior accuracy at property level for underwriting, lending and infrastructure planning.
Ready to Assess Your Asset Portfolio?
Book a consultation with our team and discover how Riskscape's Area Location Risk platform can power your underwriting, lending and property risk decisions.