Climate & Natural Perils
Graded natural peril exposures, expected annual losses, and damaging event history
Overview
Every naturally occurring peril a property is exposed to, graded. Exposures span wildfire, flood, hurricane, tornado, hail, earthquake and more, each with a grade, expected annual loss, historic loss ratio, and percentile rank nationally. The same grades carry through one submission, one walkthrough, or a whole pipeline.
What’s included
- Grade and national percentile on all weather and natural peril exposures
- Wind perils: hurricane, tornado, derecho, strong wind, hail, and lightning
- Water perils: FEMA flood, riverine flooding, coastal flooding, and tsunami
- Fire and earth perils: wildfire, earthquake, volcanic activity, landslide, sinkhole, and soil
- Winter and temperature perils: winter weather, ice storm, ice dam, snow load, cold wave, frozen pipes, avalanche, and heatwave
- Building and health perils: mold, radon, and termite infestation
What teams use it for
Pricing peril exposure at quote time
Every peril the address is exposed to, graded and ranked nationally while the submission is still open, giving the quote the ground this property actually sits on.
Inspection prep on a property with a history
Arrive knowing which perils this address is exposed to, so the walkthrough starts with questions about mitigation efforts and the history of past events.
Screening a pipeline on hazard
Rank a pipeline on flood, wildfire, and wind exposure before the modeling starts. Insurance is a real line in the budget, and graded exposure gives you a basis for it.
Related property data products
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