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Advanced analytics in insurance: Utilizing building footprints derived from machine learning and high-resolution imagery

30 April 2025

Geospatial imagery and high-resolution image technology have a wide variety of applications for the property and casualty (P&C) insurance industry, including underwriting, rating, and claims settlement. New methods for determining building location, such as the use of structure footprints, may offer significant improvements in risk determination in certain cases. In this paper, published for the Society of Actuaries Research Institute, we discuss using building footprints derived from machine learning and high-resolution imagery. The paper covers the following:

  • An introduction on the use of remotely sensed imagery and artificial intelligence to delineate detailed building footprints across wide geographic scales.
  • A discussion of remotely sensed high-resolution elevation information to define key structural characteristics relevant to risk assessment.
  • Flood case and wildfire case studies.

Read the full article on the SOA website.


About the Author(s)

Garrett Bradford

Kailey Adams

Claire Palmer

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