METHOD AND SYSTEM FOR ASSESSMENT AND DETERMINING ENVIRONMENTAL RISK FOR PARCELS

• US 20070260401A1
• Filed: 05/04/2007
• Published: 11/08/2007
• Est. Priority Date: 05/04/2006
• Status: Abandoned Application

• Current Assignee: Michael W. Sydor, Paul E. Hausmann
• Original Assignee: Michael W. Sydor, Paul E. Hausmann
• Inventors: Sydor, Michael W., Hausmann, Paul E.
• Application Number:
  US11/744,306
• Publication Number:
  US 20070260401A1
• Time in Patent Office: Days
• US Class Current: 702/1
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method and system for automating the assessment and determination of environmental risks for properties and regions. Property attribute and characteristic data is aggregated from multiple databases and indexed by a parcel identifier, such as an assessor'"'"'s parcel number (APN). Environmental data from various databases, such as Federal, State, County, Parrish, Municipality/Town, Tribal, etc. is also retrieved and linked to parcels. An environmental risk assessment score may be calculated based on various attribute, characteristic, and environmental data associated with a given parcel, a parcel and adjacent properties, and/or selected areas or regions. Environmental risk assessment maps may also be generated.

Claims

1. A method for automating assessment of environmental risk of a parcel, comprising:

automatically retrieving property attribute and characteristic data associated with a parcel from multiple databases;

automatically retrieving environmental data associated with the parcel from multiple environmental databases; and

automatically calculating an environmental risk assessment score based on the parcel attribute and characteristic data and the environmental data.

2. The method of claim 1, further comprising

aggregating property attribute and characteristic data from at least a portion of said multiple databases into an aggregated database;

indexing the aggregated property attribute and characteristic data in the aggregated database by a parcel identifier; and

employing the parcel identifier to retrieve at least a portion of the property attribute and characteristic data associated with the parcel from the aggregated database.

3. The method of claim 1, further comprising:

aggregating environmental data from at least a portion of said multiple databases into an aggregated database;

indexing the aggregated environmental data in the aggregated database by a parcel identifier; and

employing the parcel identifier to retrieve at least a portion of the environmental data associated with the parcel from the aggregated database.

4. The method of claim 1, further comprising:

generating mapping information to map data applicable to parcels stored in at least one property attribute, characteristic and/or environmental database that is indexed in its database using an index different than the parcel identifier in a manner that enables such data to be accessed via the parcel identifier; and

employing the mapping information to retrieve information associated with a given parcel from said at least one property attribute, characteristic and/or environmental database.

5. The method of claim 4, further comprising:

employing a Geographic Information System (GIS) to generate at least a portion of the mapping information.

6. The method of claim 1, further comprising:

processing the property attribute and characteristic data and environmental data using a rules-based scoring engine to generate a relative environmental risk assessment score.

7. The method of claim 6, further comprising:

defining a plurality of rules to be implemented by the rules-based scoring engine.

8. The method of claim 7, wherein the rules include conditional rules.

9. The method of claim 7, wherein the rules include attribute value rules.

10. The method of claim 1, further comprising:

employing weighted environmental risk assessment scores for parcels proximate to a selected parcel to calculate a risk assessment score for the selected parcel.

11. The method of claim 10, further comprising:

determining environmental risk assessment scores for a plurality of parcels; and

generating an environmental risk assessment map using the environmental risk assessment scores.

12. The method of claim 1, further comprising:

employing an iterative process to generate risk assessment scores for a plurality of parcels within a selected area,

wherein the environmental risk assessment score for a given parcel is at least partially a function of environmental risk assessment scores of parcels proximate to the given parcel.