AI-Native Property Risk Intelligence
The property risk
intelligence layer.
Property risk data has been a black box for decades — opaque scores from vendors who won't show their math. GridHazard replaces that with full source transparency. Federal data. Coordinate precision. Every score traceable to the record behind it. Built for AI workflows from day one.
Platform
Property risk intelligence
for every workflow.
Unified reports for a full property risk picture, or individual peril endpoints for targeted analysis. Every score explained. Full methodology documented. Built for carriers, agents, inspectors, lenders, and homeowners.
MCP-native by design
Every endpoint is a Model Context Protocol tool. AI agents discover and call GridHazard data directly — no custom integration, no middleware.
Plain-English risk notes
Every score returns a human-readable risk note alongside structured data. AI agents and human analysts get the same narrative context on every response.
01 — Transparency
DOI-defensible, no black box
100% public federal data — FEMA, NOAA, USGS, USDA. Every formula documented. Full source provenance returned on every response. Built to satisfy regulatory scrutiny.
15 federal sources
02 — Loss history
Actual losses, not just scores
2.7M NFIP claims at the coordinate level. Repetitive loss and SRL flags. 30 years of storm events. 11 major CAT event datasets. Most competitors model risk. We surface what actually happened.
2.7M NFIP claims
03 — Structures
Property-level structure intelligence
154M+ building footprints with occupancy class, square footage, estimated replacement value, and construction era. 52,051 fire stations with ISO proximity scoring per coordinate.
154M+ footprints
04 — Indices
12 proprietary risk indices
GFI Flood · GWHI Wind · GCI Coastal · SEI Seismic · HHI Hail · THI Tornado · LHI Lightning · GRI Resilience · and more. Every index fully documented with weights and source methodology.
12 indices
05 — Flexibility
Adjustable weights per call
Composite score weights adjustable per peril per call. Flood 20%, wind 20%, earthquake 20%, wildfire 15%, hail 10% — auto-normalized. Override defaults to match your specific risk profile.
Per-call customization
06 — Speed
Subsecond unified reports
Individual peril endpoints and full property risk reports return in under a second. Real-time data at the point of decision — fast enough to embed in any workflow.
Subsecond response
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property's risk profile?
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