Insurance agency Keel, specializing in SMEs, releases free 3-minute 'Natural Disaster Risk Check Tool' based on address

KEEL Co.,LTD (Head Office: Yamato City, Kanagawa Prefecture, Representative Director: Yasunori Mashita), a corporate non-life and life insurance agency specializing in SMEs, has released a free web tool called the 'Natural Disaster Risk Check Tool' that visualizes natural disaster risks simply by entering the address of a business location. Based on public data from sources such as the Geospatial Information Authority of Japan and the National Research Institute for Earth Science and Disaster Prevention (NIED J-SHIS), the tool assesses six risks—flooding, inland water flooding, sediment-related disasters, tsunamis, storm surges, and earthquakes—in approximately 3 minutes. Registration of company name or personal information is not required.

▶ Tool URL: https://keel-ins.co.jp/disaster-risk-check/

Input Screen

Background: Disasters are determined by 'location.' However, many SMEs are unaware of their location-specific risks.

In recent years, the risk of natural disasters has undeniably increased. According to Japan Meteorological Agency statistics, the annual frequency of extremely heavy rainfall (50mm or more per hour) has increased by approximately 1.5 times compared to about 40 years ago over the past decade. Regarding earthquakes, the government assesses the probability of the Nankai Trough earthquake and the direct earthquake in the Tokyo metropolitan area as high.

Meanwhile, preparedness among SMEs is lagging. A survey by Teikoku Databank (2025) indicates that only 17.1% of SMEs have formulated Business Continuity Plans (BCP), with over 80% having not yet done so. Many express a desire to prepare but are unsure where to start.

The impact of natural disasters varies significantly not by industry or size, but primarily by 'where the business is located.' However, many companies do not know, down to the address level, which specific hazard zones their facilities fall into. Keel developed this tool to ease that initial step.

Tool Overview: Just enter your address, about 3 minutes. Assesses 6 disasters using public data.

Targeted 6 Disasters: Flooding (river overflow) / Inland water flooding (urban flooding) / Sediment-related disasters / Tsunami / Storm surge / Earthquake (shaking intensity, 30-year probability)

Assessment Based on Public Data: Geospatial Information Authority of Japan, Ministry of Land, Infrastructure, Transport and Tourism 'Kasaneru Hazard Map', National Research Institute for Earth Science and Disaster Prevention (J-SHIS), etc.

No company name or personal name required / No registration required / Approx. 3 minutes. Up to 5 locations can be compared.

The entered address is sent to public institution services for map display and risk assessment. Keel does not acquire or store the address (except when submitting the consultation form).

Assessment Result Report. Displays map and assessment for 6 disasters by address. Assesses flooding, inland water flooding, sediment-related disasters, tsunamis, storm surges, and earthquakes using public data.

Features: Not just assessment, but also suggests the 'next step.'

1. Displays potential oversights even when 'not applicable.'

Even if an address is not within a designated hazard zone, the assessment results clearly state the possibility of unrepresented disasters such as inland flooding, or events exceeding the想定 (assumed) scope.

2. Inland water assessment complements official data gaps.

Since some municipalities have not yet developed hazard maps for inland flooding, the assessment is supplemented with data on low-lying areas (low elevation zones) in addition to official inundation forecasts, reducing oversight.

3. Visualizes 'downtime' with 'Estimated Time to Business Resumption.'

Provides an estimate for lifeline restoration in the event of a large-scale disaster (e.g., electricity approx. 7 days, water supply approx. 31 days, city gas approx. 57 days, etc. / regional reference values), indicating the potential 'number of days business may be halted' from a business continuity perspective.

4. Suggests the 'next step' following the ISO 31000 framework.

Systematically organizes risks into the flow of 'visualization, reduction, and transfer,' and indicates the priority of preparedness based on the results. Risk transfer (e.g., insurance) is treated as one method, and specific products are not recommended. As an entry point to comprehensive BCP, support is also provided for obtaining certification under the government's 'Business Continuity Enhancement Plan' certification system.

Visualizes 'potential business downtime' from lifeline restoration estimates. Indicates preparedness priorities based on results.

In past major disasters, approximately 35% of SMEs experienced a sales decrease three months after the disaster, and about half of those saw a decrease of '30% or more' (Source: Small and Medium Enterprise Agency '2019 SME White Paper'). Even without direct impact, effects spread through affected business partners and supply chain disruptions. This tool is designed with an emphasis on preparedness to shorten 'downtime.'

Representative's Comment

'For SMEs, risk countermeasures previously required going through insurance agents or specialists just to understand their own situation. I've seen many business owners stop at the very beginning, unsure of where to start. That's why I wanted to create a place where anyone, without meeting anyone or registering, could check their own immediate risks just by entering their address. Since many SMEs cannot choose their location, I wanted to make 'knowing' accessible to everyone on equal footing. This tool is intended to lower that initial barrier as much as possible.' (Representative Director Yasunori Mashita)

How to Use

Simply access the URL below and enter the address of your business location (free, no registration required).

▶ https://keel-ins.co.jp/disaster-risk-check/

*This tool provides a simple estimate based on public data. For accurate confirmation, please refer to the official maps of each source and municipality. It is not intended to solicit specific insurance products or other financial products.

Company Profile

Company Name: KEEL Co.,LTD

Representative: Yasunori Mashita, Representative Director

Location: Rentor Building 3F, Room C, 1-8-17 Minamirin-kan, Yamato City, Kanagawa Prefecture, 242-0006

Business Activities: Corporate non-life and life insurance agency, risk consulting services

Insurers Handled: AIG General Insurance Company, Limited, Daido Life Insurance Company

Established: March 2026 / Business Commencement: June 1, 2026

Capital: 1 million yen

Phone/Fax: 046-212-2364

Homepage: https://keel-ins.co.jp/

Philosophy: Turn headwinds into tailwinds.

【Inquiries Regarding This Release】

KEEL Co.,LTD Contact: Mashita / TEL/FAX: 046-212-2364 / Email: contact@keel-ins.co.jp / https://keel-ins.co.jp/

【Related Release】 SME-focused corporate insurance agency 'KEEL Co.,LTD' opens in Yamato City, Kanagawa Prefecture (June 1, 2026)