1. A method, comprising: calculating, by at least one computer, values based on first data representing a plurality of cartographic boundaries of each of a plurality of geographic regions; storing the calculated values in a matrix; using, by the at least one computer, the values in the matrix to determine which of a plurality of boundary segments are in common; determining, by the at least one computer, based on which of the boundary segments are determined to be in common, which of the geographic regions touch each other; storing second data representing which of the geographic regions are determined to touch each other; receiving, by the at least one computer, a request identifying one of the geographic regions; determining, by the at least one computer, an insurance rate based on the identified one of the geographic regions and based on those of the geographic regions determined to touch the identified one of the geographic regions; and sending, by the at least one computer, a response indicating the determined insurance rate.