Scoring natural-catastrophe risk across a portfolio
To screen a book or portfolio, score every property on the same physical-risk basis, then aggregate by peril and by region. Plattow's API returns a per-address physical-risk score and per-peril flags, so you can run a whole list of addresses and surface concentration risk that a regional average would hide.
Why per-property physical scoring beats a regional average
A county or ZIP average blends safe and exposed parcels together and is distorted by property value. Scoring each address on its own physical exposure (flood zone plus per-peril ratings) gives a true distribution: how many properties sit in a Special Flood Hazard Area, how many in Very High wildfire, and where they cluster.
The API approach
Call https://plattow.com/api/report?address= for each address in your list. Each response includes a physical-risk score and label, the FEMA flood zone with the SFHA flag, the per-peril natural-hazard rating, elevation, and more, as JSON, so it drops straight into a spreadsheet or a pipeline.
Aggregating by peril and region
| Cut | What it shows |
|---|---|
| Count by band (Low, Moderate, Elevated, High) | The shape of the book |
| Count in the SFHA | Mandatory flood-insurance exposure |
| Count by dominant peril | Wildfire vs hurricane vs seismic concentration |
| Group by state or region | Geographic clustering |
Concentration risk
The risk a portfolio most often misses is correlation: many properties exposed to the same peril in the same region, which a single event can hit at once. Aggregating the per-property scores by peril and region is how that concentration becomes visible. To discuss API and portfolio access for your team, see the about page.
Related: methodology, the master assessment guide. Look up any address on the Safe Havens map or call the data at /api/report.