Description: This study explores the use of geospatial imagery and high-resolution image technology in the property and casualty (P&C) insurance industry, focusing on improving risk determination through accurate building location data. It introduces new methods like structure footprints and high-resolution elevation information to enhance underwriting, rating, and claims settlement. The study includes two case studies: one on flood risk in Hillsborough County, Florida, and another on wildfire risk in three California communities, demonstrating the significant impact of precise location and elevation data on risk assessment and insurance premiums.