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US Climate & Natural Hazard Risk Scorer

Score flood, wildfire, drought, and heat risk for any US property or location. Returns numeric risk scores (0–100) with detailed breakdowns.

Perfect for real estate analysis, insurance underwriting, property due diligence, and climate-aware site selection.

What it does

Input a US address or coordinates → get back four risk scores plus an overall composite:

All data sources are free with no API keys required.

Input

Single location (simple)

{
"address":"2100 E Camelback Rd, Phoenix, AZ 85016"
}

Or with coordinates:

{
"latitude":33.5088,
"longitude":-112.0396
}

Batch (multiple locations)

{
"locations":[
{"address":"Phoenix, AZ"},
{"latitude":47.6062,"longitude":-122.3321},
{"address":"1200 Ocean Dr, Miami Beach, FL 33139"}
]
}

Output

Each location produces one result object:

{
"latitude":33.4484,
"longitude":-112.074,
"address":"Phoenix, AZ",
"flood":{
"score":10,
"level":"Low",
"zone":"X",
"sfha":false,
"detail":"Zone X — minimal flood hazard"
},
"wildfire":{
"score":50,
"level":"Moderate",
"whpClass":3,
"fireWeatherIndex":42.5,
"detail":"USDA WHP: Moderate"
},
"drought":{
"score":72,
"level":"High",
"avgAnnualPrecipitationInches":8.2,
"maxDryStreakDays":85,
"longDrySpellsPerYear":6.4,
"detail":"8 in/yr avg, max dry streak 85d"
},
"heat":{
"score":78,
"level":"High",
"extremeHeatDaysPerYear":8.2,
"veryHotDaysPerYear":52.4,
"hotDaysPerYear":38.6,
"heatWavesPerYear":4.8,
"avgSummerMaxF":106.3,
"detail":"Avg summer max 106F, 52 days/yr >100F"
},
"overall":{
"score":55,
"level":"Moderate"
}
}

Risk score scale

Data sources

• FEMA NFHL — National Flood Hazard Layer (ArcGIS REST service)
• USDA Forest Service — Wildfire Hazard Potential 2023 (ArcGIS ImageServer)
• Open-Meteo — ERA5 historical weather archive (2020–2024 daily data)
• OpenStreetMap Nominatim — Address geocoding

All sources are free, public, and require no API keys.

Cost

Pay Per Event: $0.01–0.02 per location scored.

Limitations

• US locations only (FEMA and USDA data cover continental US)
• USDA Wildfire Hazard Potential may be intermittently unavailable — the actor falls back to a fire weather index derived from historical climate data
• Geocoding works best with specific addresses; vague place names may resolve to city center
• Historical climate analysis uses 2020–2024 data — reflects recent conditions, not long-term trends