1. A method for determining an insurance agency location, the method comprising: (a) receiving at least one geographic region to be evaluated for placement of the insurance agency location; (b) receiving at least one distance band to a risk border to be evaluated for placement of the insurance agency location; (c) determining at least two related zip codes to be evaluated based on the at least one geographic region received in step (a); (d) receiving modeling factors to be utilized in the determination of the insurance agency location; (e) determining homeowner counts within the received at least one distance band for the determined zip codes, wherein step (e) further comprises using a risk border distance calculation tool, the risk border distance calculation tool utilizing nodes and line segments to determine the homeowner counts within the received at least one distance band for the determined zip codes; (f) displaying the homeowner counts within the at least one distance band; (g) determining the insurance agency location based on the displayed homeowner counts and the received at least one distance band; (h) calculating a final score for each of the at least two zip codes determined in step (c), wherein step (h) further comprises the steps of: (i) calculating a composite score for each of the at least two zip codes determined in (c); and (ii) calculating the final score for each of the at least two zip codes based on an equation, where “μ” is mean, and “σ” is standard deviation Composite ⁢ ⁢ Score - μ σ = Final ⁢ ⁢ Score ; and (i) comparing the final scores for each of the at least two zip codes to rank order the at least two zip codes.