Property-level climate & hazard screening, built on public data — with a methodology you can actually read.
One API call returns flood, wildfire, heat, sea-level-rise, coastal erosion, and hurricane storm-surge scores for any U.S. address — plus the raw inputs behind every score and a link to the published math.
Screening, not determination. This is not a FEMA flood zone determination and is not for use in determining mandatory flood insurance purchase requirements.
What we do
Enterprise climate-risk platforms are priced for banks and insurers, and most keep their models closed. HazardOptics is built for the long tail — insurtech MGAs, small lenders, proptech apps, solar installers, inspectors, and due-diligence consultants — who need affordable hazard screening they can actually audit.
Six hazards, one call
Flood, wildfire, heat, sea-level rise, coastal erosion, and hurricane storm surge — scored 0–100, with a composite score and the dominant hazard called out.
Every input is public data
FEMA NFHL, USFS wildfire risk, CDC heat index, NOAA sea-level-rise and shoreline change, and USGS terrain-derived flood modifiers — sourced, versioned, and cited.
The math is published
Our full scoring methodology is published in the docs — no black box. Know exactly why a property scored what it did.
Beyond the flood zone
A terrain-derived HAND modifier flags low-lying parcels that regulatory flood maps miss — built by someone with a flood-mapping background, not just an API wrapper.
How it works
Send an address or coordinate
One request to /v1/risk with an address, lat/lon, or both.
We geocode & look up every hazard layer
The location is matched against public flood, wildfire, heat, sea-level, erosion, and storm-surge datasets.
Get scores, ratings, and a composite
Each hazard returns a 0–100 score, a rating band, and the raw data behind it — plus dataset versions and the methodology version.
GET /v1/risk?address=123 Riverbend Rd, Norfolk, VA
{
"scores": {
"flood": { "score": 55, "rating": "moderate" },
"wildfire": { "score": 38, "rating": "moderate" },
"heat": { "score": 61, "rating": "high" },
"sea_level_rise": { "score": 70, "rating": "high" },
"erosion": { "score": 50, "rating": "moderate" },
"storm_surge": { "score": 70, "rating": "high" }
},
"composite": { "score": 58, "rating": "high", "max_hazard": "sea_level_rise" },
"methodology_version": "0.1.6",
"disclaimer": "HazardOptics provides hazard SCREENING estimates ..."
}Transparency is the product
Over-precise, unexplainable per-property claims are how climate-risk tools lose credibility. HazardOptics responses always include confidence framing, dataset vintages, and a link to the published methodology — so every score can be checked, questioned, and explained.
- Confidence-banded ratings (minimal → severe), never bare probabilities.
- Dataset snapshot versions returned with every response.
- Open scoring methodology, versioned alongside the API.
- "Screening" framing throughout — never a regulatory determination.
Pricing
HazardOptics is in active development. The live demo covers Hampton Roads, VA with all six hazards on real data. API access, tiers, and pricing for broader coverage are coming soon — reach out if you'd like early access.