Techniques and systems are disclosed that provide a risk-based assessment for a user based on user location information. Incident data is acquired for incidents that involve potential risks (e.g., to people and/or property) from a plurality of locations and contexts, considering such factors as date, time, weather, traffic, and velocity. The incident data is matched to the user's location and context directly or indirectly to provide one or more potential outcomes of interest (e.g., accidents, injuries, fatalities), and inferences regarding the likelihood of events are made available. These measures are compared to desired risk thresholds for the user. In one embodiment, routes, times, and conditions of travel may be preferred over others routes, times, and conditions. In another embodiment, users may be notified of a condition or a vehicle's maximum velocity may be reduced when the matched incident data meets/exceeds a user's risk threshold.