Patent ID: 8620694

Claim:
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.