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:

Risk	Data Source	What's Measured
Flood	FEMA National Flood Hazard Layer	Flood zone designation (A, AE, V, X, etc.), SFHA status
Wildfire	USDA Forest Service WHP + fire weather analysis	Wildfire Hazard Potential class + hot/dry/windy day frequency
Drought	Open-Meteo 5-year historical archive	Annual precipitation, dry spell length and frequency
Heat	Open-Meteo 5-year historical archive	Extreme heat days, heat waves, average summer max temps
Overall	Weighted composite	30% flood + 30% wildfire + 20% drought + 20% heat

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

Score	Level	Meaning
0–19	Very Low	Minimal concern
20–44	Low	Below-average risk
45–69	Moderate	Average to elevated risk
70–100	High	Significant risk — investigate further

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