1. CDS Business Mapping RiskMeter Flood Elevation Overview Presented: October 5, 2006

2. The Risk Meter Online™ F Performs property risk reports –Quick, accurate, easy-to-use – Check individual risks or an entire book for geographic risks (Batch) F Uses GIS (mapping) technology –The right technology for the problem

3. The Risk Meter Online F Distance to Shore F Flood Zone Determinations (First American) F Proximity to Brush Fire Hazards (All Western States) F MMI, Soil, EQ Scores F Crime Scores F State Windpool Eligibility F State Tax Codes F Sinkholes F FL Windspeed Credit Maps F Hail Exposure Index F Tornado Exposure Index F Rating Territory (Your territories) F Slope, Aspect, Elevation F Aerial Photos F And More!!!

4. Key Flood Issues F Flood risk does not end at the edge of the zone –FEMA maps are modeled –Changes to the surface topology and coverings affect drainage and flooding F It has been estimated that ¼ of all flood claims occur outside of the 100 year flood plain F Companies writing non-NFIP flood should be concerned with risks beyond the 100 year flood plain

5. Standard Flood Map F Shown from above F For NFIP business, everyone simply checks to see if the property falls “within a flood zone” F No easy way to estimate risk outside of the 100 year flood zones Red-In the 100 year flood plain Green-Outside the 100 year flood plain

6. The Ideas behind the new report F Let people know when they are at risk and not in a flood zone F Use elevation as the secret weapon F Estimate this risk by returning –Proximity to the flood zone –Estimated height above the flood zone

7. Profile View

8. A Comparison Overhead View Profile View

9. This is a House in a Flood Plain The location falls within the extents of the flood plain

10. This is a Flooded House in a Flood Plain Base Flood Elevation (BFE) is the elevation of the surface of the water when flooded to the 100-year flood level

11. Is this House at Risk? This house is not in a flood zone, but it is very close

12. What if the FEMA Maps are Wrong? - FEMA Maps are modeled -Floods are often worse than predicted by FEMA -25% of all flood losses occur outside of 100 year flood zones

13. Concept behind new Report Make better decisions about properties close to 100 year flood zones

14. Information Returned F Standard fields in RiskMeter flood reports, plus: –FEMA Flood Zone –Distance to nearest flood zone (A or V) –Elevation –Estimated Base Flood Elevation (eBFE) –Estimated height above flood zone –In a Flood Zone, estimated water depth

15. Benefits F Excess Flood Providers –Better evaluate risks that are near flood zones –Recognize the risk, even though the property is located outside of the flood zone F Agents/Companies selling flood insurance –Let people know that they are very close to a flood zone –Explain the risk, and how inexpensive flood coverage will be –Sell more flood insurance –Valid for both NFIP and non-NFIP business

16. Future Enhancements F Storm surge modeling will be added F Identifying areas protected by levees F Better elevation shading F Overlay risk layers on aerial photos

17. Questions? Dan Munson 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