Enterprise storage and analysis of vector data is well understood, but enterprise storage and analysis of raster data is just beginning. The increasing supply of sources of raster data is reducing acquisition costs and leading to the demand for enterprisewide raster solutions and development tools. The author will present an example application to the insurance industry: a method for analyzing net rate. Net rate is an insurance concept that relates exposure to premium at any one location. Traditionally, insurers analyze net rate nonspatially, considering exposure and premium within some arbitrary political boundary after the risk has been accepted. By utilizing raster data and functions, underwriters could potentially make instantaneous, spatially based decisions before risks are taken.