Location risk is an axis, not an adjustment
Natural and technogenic hazards are computed separately from amenities and applied to the score as a multiplier. A place in a flood zone does not get better because there is a school nearby.
Location risk is hard to assess without a site visit, and a visit per property does not pay for itself
The premium does not distinguish neighbouring addresses, even though their seismicity, flood exposure and proximity to hazardous facilities differ
There is no way to screen risk across thousands of live policies at once
Natural hazards
The hazard_nat subindex: seismicity, flooding, landslides and climate load — anchored to World Bank seismic hazard maps and national norms.
Technogenic risks
The hazard_tech subindex: hazardous facilities, sanitary protection zones and infrastructure risk — what determines whether a site is buildable and insurable.
Screen the whole portfolio
A batch request across every address in the portfolio with a callback on completion — instead of sampled manual checks.
Ready to screen risk across a live portfolio?
We will compute a pilot slice on your addresses and show how each component is derived