Recommended data layers:
• FEMA Flood Zones (SFHA) for flood insurance rating
• Wildland-Urban Interface (WUI) boundaries
• Historical claims density overlay
• Building age / construction from assessor data
• Proximity to coastline + elevation
• Fire protection districts (ISO ratings)
• Crime density (FBI UCR data)

Portfolio analytics:
• Plot your book of business as a heat map
• Loss ratio by census tract
• Competitor density analysis
• Climate projection overlays (sea level rise, drought)
• Catastrophe modeling (PML scenarios)
• Reinsurance treaty boundary visualization