# Moody's RMS

**Canonical:** https://apis.io/providers/moodys-rms/  
**Website:** https://www.moodys.com/web/en/us/who-we-serve/insurance.html  
**APIs profiled:** 6

Moody's RMS is the catastrophe risk modeling and risk-data business of Moody's Corporation, headquartered in Newark, California in its home market of the United States and serving property and casualty insurers, reinsurers, brokers, and capital-market participants worldwide. Founded at Stanford in 1988 as Risk Management Solutions and acquired by Moody's in 2021, the company sells peril models (hurricane, earthquake, flood, wildfire, severe convective storm, terror, cyber, pandemic) and the exposure data infrastructure that carriers use to price, accumulate, and transfer catastrophe risk. Its products run on the cloud-native Intelligent Risk Platform, which fronts Risk Modeler, ExposureIQ, UnderwriteIQ, TreatyIQ, and Risk Data Exchange. Unlike most of the US insurance sector, Moody's RMS is genuinely API-forward: it operates a public, self-serve ReadMe developer portal at developer.rms.com covering Platform APIs, Risk Modeler, Data Bridge, Location Intelligence, and Climate On Demand, publishes downloadable OpenAPI 3.0 definitions and public Postman collections from its own rms-developers GitHub repository, and exposes live REST hosts at api-use1.rms.com and api-euw1.rms.com. Reference documentation is readable without a login, but the APIs themselves are tenant-scoped: keys are issued only to licensed Intelligent Risk Platform tenants, so there is no self-serve signup and no sandbox. Its data-standards posture is cat-risk rather than ACORD — the exchange formats are the RMS EDM/RDM databases, the Risk Data Open Standard (RDOS), and interoperability with CEDE and OED; ACORD appears only as a geocoding-resolution code mapping inside the Location Intelligence API. These are risk-data and analytics APIs, not policy APIs: no quote, bind, issue, or FNOL surface is published.

## Kin Score — 37.5 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 37.5).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 49.3 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 14.5 |
| Developer Ergonomics | 41.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 37.9 (matched via tags).

## Agent readiness — 44.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (6)

- **Moody's RMS Platform APIs** — A collection of REST APIs that let Intelligent Risk Platform tenants automate portfolio management, underwriting, and risk-transfer workflows across Risk Modeler, UnderwriteIQ, ...
- **Moody's RMS Risk Modeler API** — The Risk Modeler 2.0 public API — the legacy catastrophe-modeling and underwriting surface of the Intelligent Risk Platform, superseded by the Platform APIs but still documented...
- **Moody's RMS Data Bridge API** — Administers database connections and moves exposure and results data into and out of the Intelligent Risk Platform. The harvested OpenAPI 3.0.1 definition carries 21 paths cover...
- **Moody's RMS Location Intelligence API** — Address geocoding and per-location peril and hazard risk lookups used to enrich exposure before modeling. The harvested OpenAPI 3.0.1 definition carries 366 paths under three de...
- **Moody's RMS Climate On Demand API** — Physical climate risk data delivered as an API so financial-services organizations can build climate applications on the Intelligent Risk Platform. The public developer page doc...
- **Moody's RMS Platform MCP Server** — A hosted Model Context Protocol server, irp-integration-mcp, released with Intelligent Risk Platform version 2026.07.c on 2026-06-30. It transforms the Platform API specificatio...

## MCP servers (1)

- **Moody's RMS MCP Server** — A service that securely connects a tenant's AI applications with the Intelligent Risk Platform and developer resources. The Platform MCP Server transforms Platform API specifica...

## Agentic access (1)

- **Moodys Rms Agentic Access** — 780 operations · 460 acting · 1 human-in-the-loop

## Security (2)

- **Moodys Rms Authentication** — apiKey/accessToken · 1 scheme
- **Moodys Rms Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Insurance, United States, Property and Casualty, Reinsurance, Risk Data, Catastrophe Modeling, Underwriting, Climate Risk, Geocoding, Analytics

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/moodys-rms/). Scores are computed from the provider's own public artifacts under a published rubric.