# RMS > Catastrophe risk modeling and analytics for the global insurance and reinsurance market ## At a glance | Field | Value | | --- | --- | | Category | Reinsurance Technology | | Type | Solutions Provider | | Region | NA | | Headquarters | Newark, California, US | | Founded | 1988 | | Stage | Enterprise | | Employees | 1000+ | | Funding | Acquired | ## Overview RMS (Risk Management Solutions) is a leading global provider of catastrophe risk modeling and analytics for the insurance, reinsurance, and financial services industries. Founded in 1988 and headquartered in the San Francisco Bay Area, RMS pioneered the catastrophe modeling industry and now operates as Moody's RMS following its acquisition by Moody's Corporation for approximately USD 2 billion in September 2021. The company provides insurers, reinsurers, and capital markets participants with models, software, SaaS platforms, and data to quantify and manage complex natural catastrophe and climate risks worldwide. RMS models underlie nearly the USD 2 trillion Property & Casualty industry and are embedded in virtually every stage of the risk transfer chain -- primary carriers use them to set rates and manage aggregate exposures, reinsurers rely on them to price treaties and facultative placements, and ILS investors use them to evaluate catastrophe bonds and collateralized reinsurance structures. With over 400 models in nearly 100 countries and an Intelligent Risk Platform surpassing 250 customers globally, RMS serves carriers, reinsurers, brokers, MGAs, and Lloyd's syndicates across all major geographies including the US, Europe, and Asia-Pacific. ## Products & services ### RMS Cloud \(Risk Intelligence / Intelligent Risk Platform\) Cloud-based catastrophe modeling platform providing exposure management, risk quantification, and portfolio analytics. The Intelligent Risk Platform surpassed 250 customers as of January 2024. **Key features:** - Exposure management and portfolio analytics - Multi\-model environment supporting third\-party model comparison - Data exchange for sharing databases, analysis results, and portfolios - Open API architecture for risk model integration *Target users:* Carriers, reinsurers, brokers, MGAs, Lloyd's syndicates ### Catastrophe Models Comprehensive catastrophe peril models covering hurricane, earthquake, flood, wildfire, severe convective storms, and other perils globally. Over 400 models across nearly 100 countries. **Key features:** - U\.S\. Severe Convective Storm HD Models with high\-resolution physics\-based hazard simulations \(2025\) - Claims\-calibrated vulnerability datasets capturing over USD 55 billion in industry claims - Coverage across North America, Europe, Asia\-Pacific, and emerging markets - Machine learning and AI\-enhanced peril modeling *Target users:* Reinsurers, P&C carriers, ILS investors, catastrophe bond issuers ### RMS Data Products High-resolution property and climate risk data including Exposure Data Model (EDM) databases and Detailed Loss Model (DLM) or high-definition (HD) analysis results. **Key features:** - Exposure Enrichment module covering 100 million US properties \(98% of residential building stock\) \-\- launching April 2026 - CAPE Property Intelligence with Peril Metrics licensable module \(March 2026\) - Geospatial data and satellite imagery integration *Target users:* Underwriters, risk managers, capital markets participants ### Moody's RMS APIs Programmatic access to risk models and data via REST APIs that streamline and automate portfolio management, underwriting, and risk transfer workflows. **Key features:** - REST APIs for portfolio management and underwriting workflows - Data Bridge API for integration with external systems - Developer portal at developer\.rms\.com *Target users:* InsurTech developers, IT teams at carriers and reinsurers ### Risk Modeler and Analytical Services Cloud-based Risk Modeler application and analytical services led by a team of more than 400 analytics professionals. **Key features:** - Dedicated analytical services team - Expert advisory on model application and risk strategy - Customer success support *Target users:* Carriers, reinsurers requiring hands\-on analytical support ## Category & focus - Subcategories: Catastrophe Risk Modeling, Climate Risk Analytics, Risk Intelligence Platform, Property Risk Data - Insurance verticals: P&C Commercial, Reinsurance, Specialty/E&S - Target customers: Carriers, Reinsurers, MGAs/MGUs, Brokers ## Notable customers - Apollo - Tokio Marine - Gallagher Re ## Links - Website: - Directory profile: - Careers: - Linkedin: - Developer portal: - About & leadership: - Catastrophe modeling: - Risk intelligence platform: --- *Last updated: 2026\-06\-05*