Abstract: Conventional end-to-end driving systems model the environment with sparse objects and lane elements. While efficient, this paradigm discards planning-critical information in crowded and occluded scenarios, particularly for unstructured obstacles, ambiguous free space, and complex interactions. We propose risk-aware occupancy, a dense BEV representation that explicitly fuses geometric occupancy, map-derived traffic constraints, and future dynamic-agent occupancy as complementary risk signals. Built upon this representation, we develop ROIDrive, an instance-centric end-to-end framework with a dedicated risk-aware occupancy branch. The predicted occupancy is tokenized via sliding-window sampling and injected into planning queries via cross-attention, while temporal query consistency mitigates unreliable flickering queries. We also contribute RiskOcc4D-nuScenes, a benchmark derived from nuScenes and Occ3D-nuScenes with four automated annotation pipelines for multi-dimensional risk supervision. Experiments on representative occupancy architectures verify the learnability and transferability of our representation. Integrated with GenAD, it reduces collision rates by 35.0% (UniAD metric) and 52.9% (ST-P3 metric), confirming the efficacy of the proposed representation modality.
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