Actuarial & Insurance Risk Intelligence
District-level risk models for property, flood, fire and liability insurance — built on historical claims and environmental data for underwriters and actuaries
📋
2.8M+
Policies Analyzed
🗺️
18 districts
Risk Zones
🤖
48
Claim Models
🎯
92.4%
Avg Accuracy
Key Risk Factors & Frequency
Typhoon (T8+) Property Damage
📅 1.8 events/year
💰 Avg claim HKD 48,000
⚠️ High (coastal districts 3x inland)
Flooding Claims
📅 4.2 events/year
💰 Avg claim HKD 28,000
⚠️ Very High (Tuen Mun, Tai Po at-risk)
Road Traffic Accidents
📅 15,400/year
💰 Avg claim HKD 24,000
⚠️ Medium (Kwun Tong, Yau Tsim Mong highest)
Fire Claims (Residential)
📅 2,840/year
💰 Avg claim HKD 82,000
⚠️ High (old buildings in SSP, KC highest)
Workplace Injuries
📅 28,400/year
💰 Avg claim HKD 42,000
⚠️ Medium (Construction highest)
District Risk Profiles
Sham Shui Po
82
Property
High
Flood
Medium
Fire
Very High
Premium loading: +28%
Tuen Mun
74
Property
Medium
Flood
Very High
Fire
Low
Premium loading: +18%
Central
42
Property
Low
Flood
Medium
Fire
Low
Premium loading: Base
Sha Tin
58
Property
Low
Flood
High
Fire
Low
Premium loading: +8%