sentences:  In order for an insurer to calculate the risk distribution in their portfolio for each natural disaster type, accumulations of insured property in individual CRESTA Zones will be taken into account.In seismic risk analysis, for example, a successful loss estimation of insured and reinsured values depends on the seismic hazard analysis, on the vulnerability of facilities and on the ability to calculate the earthquake risk premium, also known as average annual loss (AAL).CRESTA is simply one of the biggest, if not the most comprehensive and most actual information resource for natural risks and hazards.