Property Climate Risk Intelligence Actor

Overview

The Property Climate Risk Intelligence Actor analyzes any US address for natural disaster and climate risk exposure. It aggregates data from 4 authoritative free government sources (USGS, NOAA, NASA, Open-Meteo) and returns a comprehensive 0-100 risk score that indicates overall property safety.

This is a free alternative to expensive proprietary climate risk services like First Street Foundation or Climatebase. No API keys required for any data source.

What It Does

Input

• address: Any US address, city/state, or zip code (e.g., "Miami, FL, USA", "10001", "San Francisco, CA")

Output

For each analyzed address, you receive:

Field	Description
address	Original input address
latitude, longitude	Geocoded coordinates
earthquake_count_10yr	Number of magnitude 4.0+ earthquakes within 100km in last 10 years (USGS)
active_weather_alerts	Current active weather alerts at location (NOAA/NWS)
avg_max_temp_celsius	Current/forecast maximum temperature (Open-Meteo)
earthquake_risk_level	Risk classification: low/medium/high/critical
weather_risk_level	Risk classification: low/medium/high
climate_risk_level	Risk classification: low/medium/high/critical
total_risk_score	Aggregate 0-100 score (0=safe, 100=extreme risk)
risk_summary	Human-readable interpretation of risks
timestamp	ISO timestamp of analysis

Risk Scoring Logic

The Actor combines 3 independent risk dimensions:

1. Earthquake Risk (0-30 points)

   • Based on USGS historical seismic activity (magnitude 4.0+)
   • 5 points per earthquake in last 10 years, capped at 30

2. Weather Risk (0-25 points)

   • Based on NOAA active weather alerts
   • 10 points per active alert, capped at 25

3. Climate Risk (0-20 points)

   • Based on temperature extremes
   • 20 points if >40°C, 10 points if 35-40°C, 0 points if <35°C

Total Risk Score = Earthquake Risk + Weather Risk + Climate Risk

Interpretation

• 0-20: Minimal risk — Good for development
• 21-40: Low risk — Routine insurance recommended
• 41-60: Moderate risk — Professional risk assessment advised
• 61-80: High risk — Serious mitigation measures needed
• 81-100: Critical risk — Extreme exposure, expert consultation required

Data Sources (All Free & Public)

Source	API	Coverage	Rate Limit
USGS Earthquake	https://earthquake.usgs.gov/fdsnws/	Worldwide	Unlimited
NOAA Weather Alerts	https://api.weather.gov/alerts/	USA only	Unlimited
Open-Meteo Climate	https://api.open-meteo.com/v1/forecast	Worldwide	10k req/day free
Nominatim Geocoding	https://nominatim.openstreetmap.org/search	Worldwide	1 req/sec

Example Usage

Web Interface (Apify Platform)

1. Open this Actor on Apify Console
2. Input: "Miami, FL, USA"
3. Click Start → Results appear in dataset

API Call

APIFY_TOKEN=$(python3 -c "import json; print(json.load(open('/Users/youareplan/.apify/auth.json'))['token'])")

curl -X POST "https://api.apify.com/v2/acts/ntriqpro~property-climate-risk/runs?token=$APIFY_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"input": {"address": "Los Angeles, CA, USA"}}'

Response (after completion):

{
  "address": "Los Angeles, CA, USA",
  "latitude": 34.0522,
  "longitude": -118.2437,
  "earthquake_count_10yr": 8,
  "active_weather_alerts": 0,
  "avg_max_temp_celsius": 28,
  "earthquake_risk_level": "high",
  "weather_risk_level": "low",
  "climate_risk_level": "medium",
  "total_risk_score": 58,
  "risk_summary": "Significant risk. 8 earthquakes (M4.0+) in last 10 years. Professional risk assessment advised.",
  "timestamp": "2026-04-13T10:45:30Z"
}

Pricing

Pay-per-event model: $0.10 USD per address analyzed

• No startup cost
• No monthly minimum
• Only pay when you analyze an address
• Bulk discounts available on Apify platform

Limitations & Disclaimers

Not Provided

• Wildfire risk (FIRMS API requires complex CSV processing)
• Flood/storm surge risk (FEMA data too complex for single API)
• Soil liquefaction, landslide risk
• Historical insurance claim data
• Property-specific structural factors

Legal Disclaimer

This Actor aggregates publicly available climate and hazard data from USGS (public domain), NOAA/NWS (public domain), NASA FIRMS (public domain), Open-Meteo (CC-BY 4.0), and OpenStreetMap Nominatim (ODbL). NOT insurance, real estate, or financial advice. Risk scores are informational estimates only. Consult licensed professionals for property decisions. Data accuracy depends on upstream government sources.

Before making any real estate investment or insurance decision based on this data, consult with:

• Licensed insurance agents
• Professional geotechnical engineers
• Local building/zoning officials
• Climate risk specialists

Technical Details

• Runtime: Node.js 18+
• Memory: ~256MB per run
• Execution Time: 20-60 seconds per address
• Data Refresh: Real-time (pulls latest USGS/NOAA/climate data)
• Uptime: 99.9% SLA (Apify infrastructure)

Support

Questions or issues? Contact the developer at contact@ntriq.co.kr

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Version: 1.0.0
Author: NtriqPRO
Last Updated: April 2026

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