Open data · Open methods · Free forever
The open knowledge base for insurance & risk.
Interactive hazard maps, actuarial sandboxes, risk-management frameworks, and a deep glossary — all powered by public-domain data from FEMA, NOAA, USGS, NIST and the SSA. No paywalls, no black boxes.
Interactive modules
Tools that turn open data into insight
Each module is built on transparent, citable public sources — explore hazards, price risk, and map decisions.
Hazard & Catastrophe Map
Composite risk, expected annual loss, and 18 individual perils for every U.S. county — from FEMA's National Risk Index, with live disaster declarations.
Insurance & Risk Glossary
Hundreds of clear, cross-linked definitions spanning underwriting, claims, actuarial science, reinsurance, cat modeling, and enterprise risk.
Actuarial & Premium Sandbox
Pure-premium (probability × severity), deductible sensitivity, and retention models — interactive calculators grounded in actuarial first principles.
5×5 Risk Matrix & VaR
Plot assets by likelihood and impact, compute Value at Risk, and visualize retain-vs-transfer treatment strategies on a dynamic heat matrix.
Risk Framework Flowcharts
Node-based visualizers for the NIST Risk Management Framework, the claims life cycle, and underwriting decision trees.
Life & Annuity Calculators
Cohort life expectancy, mortality curves, and actuarial reductions built on the SSA period life tables.
Built on the public record
Every number is traceable to an open source
Works produced by U.S. federal agencies are in the public domain. Insureopedia stands on that foundation — and cites it.
| Feature | Dataset | Source | License |
|---|---|---|---|
| Hazard & risk maps | National Risk Index — EAL, social vulnerability, resilience for 18 hazards | FEMA | Public Domain |
| Disaster history | Disaster Declarations & NFIP claims | OpenFEMA | Public Domain |
| Seismic risk | ShakeMap & National Seismic Hazard Model | USGS | Public Domain |
| Life & annuity | Period life tables & mortality curves | SSA | Public Domain |
| Workplace risk | Injury incidence & accident cost data | OSHA / BLS | Public Domain |
| Cyber & enterprise risk | SP 800-30 / 800-37 Risk Management Framework | NIST | Public Domain |
| Catastrophe modeling | Open simulation & exposure schemas (OED) | Oasis LMF | BSD-3 |
Why open
Transparent by design
Public-domain first
Federal data (FEMA, NOAA, USGS, NIST, SSA, OSHA/BLS) carries no copyright. We use it directly, so you can verify every figure against its origin.
Open methods
Catastrophe logic follows open frameworks like Oasis LMF and standard actuarial formulas — not proprietary black boxes.
Educational, not advisory
Insureopedia is a learning and reference tool. It informs decisions; it does not replace a licensed broker, actuary, or advisor.