See all of our Disaster, Hazard and Risk Data solutions
Why use our data?
Make more informed decisions
Lenders, insurers, investors and real-estate professionals use our disaster, hazard and risk data to identify property modifications that could impact valuations, support risk analysis, determines marketability and more. Inspection, appraisal and insurance companies can leverage the data to support their growth by identifying opportunities for services.
We leverage our data from a vide variety of sources to provide you with reliable information. Our data is sourced from:
- Satellite and drone imagery
- U.S. federal and state agency reports
- Weather service information
- NASA burn points
- FEMA data
How to use our data?
- Assess risk based on improvements and alterations for a clearer understanding of the history of a property
- Perform more accurate property valuations
- Assess risk based on building permit status and classification
- Identify loan opportunities based on specific projects and cost
- Help homebuyers and sellers understand the history of a property that could affect the total cost of ownership
- Identify when customers are increasing their property value or over-investing based on comparables
- Target marketing activities to customers who may need products to help them mitigate a hazard or risk
- Identify opportunities to provide inspection and/or appraisal service to project owners
Critical information to support your business needs
Our disaster, hazard and risk data includes:
- Location information for contaminated sites, hazardous waste facilities and solid waste facilities
- Subject property and proximity to contaminated sites and waste facilities
- EPA classification codes:
1 = contaminated site
2 = hazardous waste facility
3 = solid waste facility - Properties that are located in flood zones*
- Near-real-time, continually updated alerts that pinpoint specific properties impacted by a natural disaster
- Climate risk scoring to help you understand the potential effects of natural disasters on properties
* zone report information is available as a transaction through SiteXPro API
Respond better to natural disasters by determining which properties may have been impacted
When a natural disaster strikes, the Federal Emergency Management Agency (FEMA) declares the impacted region a disaster area using county boundary designations. However, natural disasters do not always affect all properties within those boundaries. Our Natural Disaster Alerts help pinpoint the specific properties that may have been impacted when a natural disaster strikes.
Our property-specific disaster data alerts cover the majority of declared disasters, including:
- Hurricanes
- Earthquakes
- Wildfires
- Volcanic eruptions
- Tornadoes
- Floods
- Storm surges
- Tsunamis
We identify impacted properties at a parcel/address level by gathering and analyzing natural disaster data and images from a variety of sources, including weather services, FEMA and satellite imagery. Using the data, we map the impacted areas, determine the event鈥檚 core and then identify the properties that are most likely impacted. This method also enables us to identify the properties located within a buffer zone surrounding the core event but may not be impacted.
We continually update the natural disaster data and provide it to you in near-real-time as the disaster unfolds. This helps you to monitor properties as conditions change, for example during wildfires, hurricanes and floods.
How you can use Natural Disaster Data Alerts
For lenders
Identify properties in the origination process that may have been impacted by the disaster; determine if an inspection of the property or a new appraisal is necessary under GSE requirements; identify which loans in the pipeline may not be able to close.
For servicers
Prioritize property inspections based on location to the disaster鈥檚 core and buffer zone; assess portfolio impact; help accelerate regulatory compliance response and expedite mortgage assistance to homeowners.
For investors
Quickly assess portfolio impact based on data matched with valuations.
For appraisal management companies
Pinpoint properties in the areas of impact where appraisal workflow has already started.
For mortgage insurance companies
Expedite the process of identifying impacted properties to help with cost savings
Government Agencies
Accelerate the process of identifying and assessing impacted properties that have loans backed by GSEs.
Why use Natural Disaster Data Alerts?
Comprehensive property-specific data
Our property-specific hazard and risk data provides critical information to help you mitigate risk and reduce loss. Our data is sourced from the U.S. Environmental Protection Agency and contains reliable, up-to-date information on contaminated sites, as well as hazardous-waste and solid-waste facilities. Lenders, servicers, investors, appraisal management companies, insurers, real estate developers and government agencies use our property-specific hazard and risk data for numerous applications.
Our property-specific hazard and risk data includes:
- Location information for contaminated sites, hazardous waste facilities and solid waste facilities
- Subject property proximity to contaminated sites and waste facilities
- Properties located in a flood zone
-
EPS classification codes:
1 = contaminated or potentially contaminated site
2 = hazardous waste facility
3 = solid waste facility
Experienced staff helps you optimize the data
We don鈥檛 just give you the data 鈥� we help you optimize it to support your vision and strategic goals. Our experienced team leverages their deep industry knowledge to provide insights on how you can maximize the data to reduce risk.
Flexible permitted-use options
As part of our customer-centric focus, we offer flexible permitted-use options, providing you with more control of the data to meet your specific business needs.
Why use our data?
Understand the potential effects of natural disasters on properties
As climate-related natural disasters progress in frequency, scale and intensity, mortgage industry professionals need to mitigate their risk and financial exposure. Our Climate Risk Scoring solution can help you easily understand property-level climate risk over the course of a mortgage鈥檚 lifespan.
Evaluate long-term property-level climate risk
Our Climate Risk Scoring solution distills over 50 different climate simulations from government and academic sources into an easy-to-understand risk assessment.
How to use Climate Risk Scoring
Property-level risk scoring
Covering 99.9% of properties in the U.S., the solution assigns a property-level risk score between 1 鈥� 100 for each of the following natural hazards:
- Fire
- Drought
- Heat
- Storms
- Floods
Evaluate risk to surrounding areas and infrastructure. Search by:
The Climate Risk Scoring solution provides flexible search options, which is crucial since risk can extend to surrounding areas and infrastructure. Search by:
- Parcel or polygon
- Address
- Assessor鈥檚 Parcel Number (APN)
- Latitude and longitude
- ZIP code
- Census tract
Climate risk scoring for lenders
- Develop lending strategies to address the potential influence of climate risk on housing supply, affordability and valuations in local markets
- Use the climate-risk data at the property level to re-evaluate the accuracy of outdated flood-risk maps
- Develop different types of building requirements for lending based on an area鈥檚 potential for climate risk
- Align climate scoring data and lending processes in advance of regulatory changes to help create climate-risk disclosures
Climate risk scoring for portfolio risk managers
- Mitigate risk by improving the balance between higher- and lower-risk loans within a portfolio
- Use the risk data in your models to help project loan losses and create a framework for climate-risk management
- Link climate-related risk data with other ICE data sets for deeper insights
Climate risk scoring for servicers
- Identify high-risk properties and the potential impacts of natural disasters related to climate change
- Meet anticipated regulatory changes by using the data to help develop climate risk disclosures as part of the loan-transfer process
Climate risk scoring for capital markets
- Leverage the data to help develop property-level estimates of future climate-hazard risk
- Refine the risk-based prices investors are willing to pay for credit risk transfer securities and reinsurance contracts