Insurance analytics · Moody's Corporation

Moody's RMS

Catastrophe risk modeling platform quantifying hurricane, earthquake, flood, wildfire and climate risk for insurers, reinsurers and ILS investors.

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Moody's RMS (formerly Risk Management Solutions, acquired by Moody's in 2021) is a catastrophe-modeling specialist, distinct from Moody's Analytics' credit-risk products despite the shared parent. Its high-definition models simulate natural catastrophe events, chiefly hurricane, earthquake, flood and wildfire, to estimate expected losses across an insurer's or reinsurer's exposure, delivered through the cloud-based Intelligent Risk Platform. Climate-change scenario modeling extends this to longer-horizon physical-risk assessment, and casualty and cyber risk modules address non-catastrophe lines. RMS also provides event-response services with loss estimates in the days following a major catastrophe. Compared with Verisk, which spans claims and underwriting data broadly, or Cape Analytics, which analyzes individual property imagery, RMS operates at the portfolio-aggregation level insurers use for reinsurance purchasing and capital adequacy.

At a glance

Vendor Moody's Corporation
Pricing model Quote only
Free tier No
Deployment Cloud
Open source No
Best for Insurers, reinsurers and ILS investors quantifying catastrophe and climate risk across a portfolio.

Pricing

Enterprise licensing by model peril, region and exposure volume; not published.

Pricing has not been verified yet — see the vendor's site.

Features

  • High-definition catastrophe models (hurricane, earthquake, flood, wildfire)
  • Climate change scenario and physical-risk analytics
  • Exposure management and portfolio risk aggregation
  • Casualty and cyber risk modeling modules
  • Intelligent Risk Platform for cloud-based model deployment
  • Event response services after major catastrophes

Integrations

Profile last reviewed September 21, 2026

Alternatives

Verisk Data and analytics provider supplying property, claims, underwriting and catastrophe risk datasets that insurers use to price and manage risk. Cotality Property data and analytics provider supplying parcel, hazard, valuation and claims data insurers use for underwriting and catastrophe risk. Cape Analytics Geospatial imagery and computer-vision platform that scores individual property roof condition, vegetation and wildfire risk for insurers.

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Terms to know

Predictive analytics Analytics that uses historical data and statistical models to estimate what is likely to happen next. Anomaly detection Identifying data points or patterns that deviate significantly from expected or normal behavior. Scenario modeling Building several named versions of a financial plan, such as best, base, and worst case, under different assumptions.

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