{"uid":"cap_sSYmZ3ymB7lCuelU3nP6h","slug":"insurance-location-risk-score-2ad7efc0","name":"Insurance Location Risk Score","description":"Insurance location risk score for a US street address or lat/lon. One 0-100 natural hazard score plus a score, tier and underlying factors for each of four perils: flood (FEMA flood zone), earthquake (USGS ASCE 7-22), wildfire (USFS Wildfire Risk to Communities, California and Utah state hazard zones) and hail (NOAA storm reports within 10 miles over 20 years). For property underwriting and real estate due diligence.","url":"https://x402-service-production-e242.up.railway.app/insurance-location-score?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","example":{"query":{"lat":34.0936,"lon":-118.6012,"address":null},"score":{"tier":"Very High","score":96,"drivenBy":"earthquake","perilsScored":["earthquake","wildfire","flood","hail"],"perilsNotScored":[]},"state":"CA","perils":{"hail":{"tier":"Very Low","score":0,"factors":{"radiusMiles":10,"largestInches":null,"hailDays1InchPlus":0,"hailDays1_75InchPlus":0}},"flood":{"tier":"Very Low","score":15,"factors":{"floodZone":"X","zoneSubtype":"AREA OF MINIMAL FLOOD HAZARD","inSpecialFloodHazardArea":false}},"wildfire":{"tier":"Very High","score":80,"factors":{"exposureType":"indirectly exposed","stateHazardZone":"Very High","annualBurnProbability":0.0101,"riskToPotentialStructures":0.45},"scoredFrom":"state hazard zone"},"earthquake":{"tier":"Very High","score":95,"factors":{"sd1":1,"sds":1.42,"pgaM":0.79,"seismicDesignCategory":"D"}}}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.5","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.5/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.5","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.5","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_7GvMU4uCnUkmk1kADWauc","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.5","costPer":"request","priority":0,"asset":"EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a composite 0-100 natural hazard risk score plus per-peril scores, tiers, and factors for flood, earthquake, wildfire, and hail at a US address or lat/lon — designed for property underwriting and real estate due diligence.","exampleAgentPrompt":"What's the overall natural hazard risk score and breakdown by peril — flood, earthquake, wildfire, and hail — for 123 Ocean Ave, Malibu, CA 90265?","exampleUseCases":[{"title":"Pre-purchase property due diligence","prompt":"Before I make an offer on this house at 456 Hillside Drive, Boulder, CO 80302, can you pull the full natural hazard risk score — I want to see the overall score and the individual flood, earthquake, wildfire, and hail breakdowns?"},{"title":"Insurance underwriting risk triage","prompt":"I'm underwriting a new homeowners policy for a property at 34.0936 latitude, -118.6012 longitude in California — give me the insurance location risk score with all four peril scores so I can decide what tier to place this in."},{"title":"Real estate portfolio hazard screening","prompt":"Can you get me the natural hazard risk report for 789 Riverside Blvd, Sacramento, CA 95833? I need to know the composite score and which peril is driving the risk most."}],"resultDescription":"A JSON object containing the queried location (lat/lon or address), a composite 0-100 hazard score with tier label (e.g. 'Very High') and the primary driving peril, plus a per-peril breakdown for flood (FEMA zone, special flood hazard area flag), earthquake (SDS, SD1, PGAm, seismic design category), wildfire (annual burn probability, state hazard zone, exposure type), and hail (radius, hail days at 1\" and 1.75\" thresholds, largest stone size). Also returns the state and lists which perils were and were not scored.","failureModes":["Address not found or outside the US — returns error or null score","Lat/lon falls outside coverage datasets — some perils may be unscored","Invalid input format — malformed address string or out-of-range coordinates","Payment failure via x402 — 402 Payment Required if USDC not provided","Peril data not available for a specific region — perilsNotScored list populated"],"whenToPreferThis":"Choose this endpoint when you need a single unified natural hazard risk assessment covering all four major property insurance perils (flood, earthquake, wildfire, hail) for a US location, rather than calling four separate peril-specific endpoints. Ideal for property underwriting workflows, real estate due diligence, and risk triage where a composite score plus per-peril detail is needed in one call. Prefer sibling single-peril endpoints if you only need one peril or deeper detail on a specific hazard.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-28T06:39:57.849Z","isFirstParty":false,"canonicalSlug":"insurance-location-risk-score-2ad7efc0"}