Enabling physical space to be economically optimized for livability, efficiency and resiliency.
The data and analytics we’ve built provide unequaled insight into US Fixed Income: properties cities, counties, states and the physical space and services delivered therein.
Wealth managers, investors and market analysts use Level 11 Analytics to gain unequaled geospatial insight into the issuers of securities, real estate portfolios and demographic drivers and predictors of the populations their value derives from
From federal to local, and across the revenue streams they garner and the costs of services they provide, Level 11 insight enables government entities to identify opportunities for efficiency gains and plan, communicate and invest with confidence
Real estate and property analysis requires a rich and nuanced understanding of both existing property, the infrastructure it resides in, and the population that live, work or move through the area. We provide Level 11 visibility into real estate performance and risk factors
Healthcare represents 18% of US GDP. The efficiency and economic viability of this system and its participants requires Level 11 merging of demographic and health-related data of the population with where and how services are delivered and accessed by that population
financial services climate risk use case
what's the real climate risk to by u.s. fixed income holdings?
While Level 11 has best-in-class spatial data for US Fixed Income for the obligors of municipal bonds and the mortgages and loans linked to mortgaged-backed securities, risQ has best-in-class climate and catastrophe models mapped to the same spatial architecture.
For RMBS investors, this now enables greater insight into climate risk to loan collateral on a pool-by-pool basis across a range of perils. It also highlights how currently available information, such as SFHA representation in a pool, often underestimates actual climate risk, such as comparing the 95th percentile risks across different CRT pools (see right).
The bottom line: CRTs carry disproportionate flood and hurricane risk compared to the U.S. housing market as a whole. This is exacerbated for flood risks not covered by FEMA 1-in-100 year insurance zones (SFHAs). Our clients know how to navigate this. All others are flying blind.