System and method for producing a flexible geographical grid
First Claim
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1. A method for locating specific concentrations of risk exposure on a geographical grid, the method comprising:
- subdividing, using one or more processors, a latitude and longitude grid into a predetermined number of cells corresponding to various levels of a grid resolution, each cell having a geocoded point associated therewith;
assigning, using the one or more processors, a geographic identifier to each geocoded point, the geographic identifier including indicia representative of a plurality of levels of grid resolution;
obtaining, using the one or more processors, one or more geocoded points associated with corresponding cells within a particular geographical region in which to locate risk exposure;
retrieving, using the one or more processors, hazard data for at least one cell using the geographic identifier associated with the at least one cell, wherein a resolution of the hazard data corresponds to the at least one cell, and wherein the hazard data includes a weighted average of hazard values distributed across the at least one cell;
verifying, using the one or more processors, a presence of hazard data from a hazard table for the geographic identifier associated with the at least one cell that corresponds to a highest level of grid resolution associated with the geographic identifier;
determining, using the one or more processors, if the hazard table includes hazard data for the at least one cell at the highest level of grid resolution, and acquiring the hazard data for the at least one cell at the highest level of grid resolution when it is determined that the hazard table includes hazard data for the at least one cell at the highest level of grid resolution;
determining, using the one or more processors, if the hazard table does not include hazard data for the at least one cell at the highest level of grid resolution, and adjusting the geographic identifier to a lower level of grid resolution when it is determined that the hazard table does not include hazard data for the at least one cell at the highest level of grid resolution.
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Abstract
A variable resolution grid provides a mechanism for focusing specific concentrations of risk exposure on a geographical grid to determine projected loss caused by a particular catastrophe. The geographic grid provides a stable base map by using latitudes and longitudes to define the grid points and cells. Each cell is assigned a geographic identifier or geocode that identifies the location of the cell and its associated resolution. The resolution of the grid may be varied depending in part, on the resolution of any available of hazard data.
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Citations
18 Claims
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1. A method for locating specific concentrations of risk exposure on a geographical grid, the method comprising:
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subdividing, using one or more processors, a latitude and longitude grid into a predetermined number of cells corresponding to various levels of a grid resolution, each cell having a geocoded point associated therewith; assigning, using the one or more processors, a geographic identifier to each geocoded point, the geographic identifier including indicia representative of a plurality of levels of grid resolution; obtaining, using the one or more processors, one or more geocoded points associated with corresponding cells within a particular geographical region in which to locate risk exposure; retrieving, using the one or more processors, hazard data for at least one cell using the geographic identifier associated with the at least one cell, wherein a resolution of the hazard data corresponds to the at least one cell, and wherein the hazard data includes a weighted average of hazard values distributed across the at least one cell; verifying, using the one or more processors, a presence of hazard data from a hazard table for the geographic identifier associated with the at least one cell that corresponds to a highest level of grid resolution associated with the geographic identifier; determining, using the one or more processors, if the hazard table includes hazard data for the at least one cell at the highest level of grid resolution, and acquiring the hazard data for the at least one cell at the highest level of grid resolution when it is determined that the hazard table includes hazard data for the at least one cell at the highest level of grid resolution; determining, using the one or more processors, if the hazard table does not include hazard data for the at least one cell at the highest level of grid resolution, and adjusting the geographic identifier to a lower level of grid resolution when it is determined that the hazard table does not include hazard data for the at least one cell at the highest level of grid resolution. - View Dependent Claims (2, 3, 4, 5, 6, 13, 14, 15)
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7. A system, comprising:
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one or more processors; and a memory storing instructions which, when executed by the one or more processors, causes the one or more processors to subdivide a latitude and longitude grid into a predetermined number of cells corresponding to various levels of a grid resolution, each cell having a geocoded point associated therewith, assign a geographic identifier to each geocoded point, the geographic identifier including indicia representative of a plurality of levels of grid resolution, obtain one or more qeocoded points associated with corresponding cells within a particular geographical region in which to locate risk exposure, retrieve hazard data for at least one cell using the geographic identifier associated with the at least one cell, wherein a resolution of the hazard data corresponds to the at least one cell, and wherein the hazard data includes a weighted average of hazard values distributed across the at least one cell, verify a presence of hazard data from a hazard table for the geographic identifier associated with the at least one cell that corresponds to a highest level of grid resolution associated with the geographic identifier, determine if the hazard table includes hazard data for the at least one cell at the highest level of grid resolution, and acquiring the hazard data for the at least one cell at the highest level of grid resolution when it is determined that the hazard table includes hazard data for the at least one cell at the highest level of grid resolution, and determine if the hazard table does not include hazard data for the at least one cell at the highest level of grid resolution, and adjusting the geographic identifier to a lower level of grid resolution when it is determined that the hazard table does not include hazard data for the at least one cell at the highest level of grid resolution. - View Dependent Claims (8, 9, 10, 11, 12, 16, 17, 18)
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Specification