Insurance Underwriting Intelligence MCP Server

Commercial P&C underwriting risk intelligence via the Model Context Protocol. This MCP server orchestrates 8 data sources for location-based peril assessment, disaster history analysis, seismic exposure evaluation, flood risk checking, environmental liability measurement, crime proximity scoring, and climate trajectory projection at 5/10/25-year horizons. Produces a Composite Peril Score (0-100) with risk tiers (Preferred/Standard/Substandard/Decline) and premium modifier recommendations. Built for P&C underwriters, actuarial teams, reinsurers, and risk engineers.

What data can you access?

Data Point	Source
US federal disaster declarations and history	FEMA Disaster Declarations
Seismic event data and magnitude analysis	USGS Earthquake Search
Weather alerts and severe weather history	NOAA Weather Alerts
Crime statistics by location	UK Police Crime Data
Flood risk assessments and warnings	UK Flood Warnings
Property valuation and transaction data	UK Land Registry
Air quality and pollution measurements	OpenAQ Air Quality
Address-to-coordinate geocoding	Nominatim Geocoder

MCP Tools

Tool	Price	Description
assess_location_risk	$1.50	Quick multi-peril risk assessment checking FEMA disasters, USGS earthquakes, NOAA weather alerts, and UK flood warnings. Returns Composite Peril Score (0-100) with geocoded coordinates
analyze_disaster_history	$1.50	Analyze FEMA disaster declaration history for a region showing major disasters, emergency declarations, incident types, and frequency analysis
evaluate_seismic_exposure	$1.50	Evaluate seismic exposure using USGS earthquake data with configurable search radius. Returns magnitude distribution (2-3, 3-4, 4-5, 5-6, 6+) and frequency analysis
check_flood_risk	$1.50	Flood risk evaluation combining UK Environment Agency flood warnings with severity breakdown and FEMA flood-related disaster history
measure_environmental_liability	$1.50	Measure environmental contamination risk using OpenAQ air quality data with WHO guideline comparison and pollutant-level analysis
score_crime_proximity	$1.50	Crime exposure scoring using UK Police crime data with violent crime, property crime, and category breakdown. Returns Crime Exposure Gradient
project_climate_trajectory	$4.00	Project climate risk trajectory at 5, 10, and 25-year horizons using historical FEMA trends, NOAA weather patterns, UK flood data, and USGS seismic activity
generate_underwriting_brief	$4.00	Complete underwriting brief combining all 8 data sources, 4 scoring models, Composite Peril Score, risk tier (Preferred/Standard/Substandard/Decline), premium modifier, and underwriting notes

Data Sources

• FEMA Disaster Declarations -- Federal Emergency Management Agency complete database of US disaster declarations including hurricanes, floods, tornadoes, wildfires, earthquakes, and winter storms with dates, types, and affected areas
• USGS Earthquake Search -- United States Geological Survey real-time and historical earthquake data with magnitude, depth, distance from location, and frequency analysis
• NOAA Weather Alerts -- National Oceanic and Atmospheric Administration severe weather alerts including tornado warnings, hurricane watches, winter storm warnings, and heat advisories with severity levels
• UK Police Crime Data -- Neighborhood-level crime statistics from UK police forces covering violent crime, burglary, vehicle crime, antisocial behavior, and drug offenses
• UK Flood Warnings -- UK Environment Agency active flood warnings and flood risk assessments with severity levels (severe, warning, alert, removed)
• UK Land Registry -- HM Land Registry property transaction data with sale prices, property types, and dates for local property valuation context
• OpenAQ Air Quality -- Global air quality monitoring with PM2.5, PM10, ozone, NO2, SO2, and CO measurements from government monitoring stations
• Nominatim Geocoder -- OpenStreetMap-based geocoding for converting property addresses to latitude/longitude coordinates for spatial hazard analysis

How the scoring works

The generate_underwriting_brief produces a Composite Peril Score (0-100) across four weighted dimensions plus an overall risk tier.

Seismic Exposure analyzes USGS earthquake data within a configurable radius. Magnitude distribution across buckets (2-3, 3-4, 4-5, 5-6, 6+) determines exposure level. Any 6+ magnitude event within 200km significantly elevates seismic risk.

Flood Risk combines UK Environment Agency active flood warnings with FEMA flood-related disaster declarations. Severity levels (severe flood warning, flood warning, flood alert) are weighted differently. Active severe warnings trigger maximum flood exposure.

Weather/Wind Risk evaluates NOAA alert history for severe and extreme weather events. Higher counts of extreme-severity alerts (tornadoes, hurricanes) weight more heavily than moderate weather events.

Environmental Contamination measures OpenAQ air quality readings against WHO guidelines. Consistently elevated PM2.5 or ozone indicates environmental liability exposure. This factor is particularly relevant for respiratory illness claims.

Crime Exposure Gradient analyzes UK Police crime data density. Violent crime and property crime categories receive higher weighting. Crime exposure affects theft, vandalism, and liability underwriting.

Climate Trajectory projects risk changes at 5, 10, and 25-year horizons based on historical FEMA disaster declaration frequency trends and NOAA alert patterns. Accelerating frequency indicates worsening climate exposure requiring higher loss reserves.

Risk Tier	Score Range	Underwriting Action
Preferred	0-20	Competitive pricing, minimal exclusions
Standard	21-45	Standard pricing, standard terms
Substandard	46-70	Surcharges, specific peril exclusions, higher deductibles
Decline	71-100	Risk exceeds acceptable parameters -- decline or refer to specialty market

How to connect this MCP server

Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "insurance-underwriting": {
      "url": "https://insurance-underwriting-intelligence-mcp.apify.actor/mcp"
    }
  }
}

Programmatic (HTTP)

curl -X POST https://insurance-underwriting-intelligence-mcp.apify.actor/mcp \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer YOUR_APIFY_TOKEN" \
  -d '{"jsonrpc":"2.0","method":"tools/call","params":{"name":"assess_location_risk","arguments":{"location":"Miami Beach, FL"}},"id":1}'

This MCP also works with Cursor, Windsurf, Cline, and any other MCP-compatible client.

Use cases for insurance underwriting intelligence

Commercial Property Underwriting

Generate automated peril scores for commercial property submissions. Replace manual risk surveys with data-driven multi-hazard assessments covering seismic, flood, weather, environmental, and crime exposure.

Actuarial Climate Modeling

Feed 5/10/25-year climate trajectory data into actuarial models for long-tail risk pricing. Identify locations where accelerating disaster frequency requires reserve adjustments.

Reinsurance Portfolio Assessment

Evaluate portfolio-level exposure across multiple peril types. Identify geographic concentration risk and locations where multiple hazards converge.

Risk Engineering Pre-Survey

Generate pre-survey risk intelligence before deploying field inspectors. Focus engineering resources on locations with specific identified hazard exposures.

Flood Underwriting Decisions

Combine UK Environment Agency flood risk data with FEMA flood disaster history for informed flood coverage pricing and exclusion decisions.

Environmental Liability Assessment

Measure air quality and contamination exposure for environmental liability policies. OpenAQ data provides location-specific pollutant measurements against WHO guidelines.

How much does it cost?

This MCP uses pay-per-event pricing. You are only charged when a tool is called -- there is no subscription or monthly fee.

The Apify Free plan includes $5 of monthly platform credits, covering multiple underwriting assessments at no cost.

Cost examples:

• Quick location risk assessment: $1.50
• Evaluate seismic exposure: $1.50
• Full underwriting brief (8 actors): $4.00
• Climate trajectory projection: $4.00

How it works

1. You call a tool (e.g., generate_underwriting_brief) with a property address and optional coordinates
2. The MCP geocodes the address using Nominatim if coordinates are not provided
3. Parallel requests are dispatched to up to 8 data sources simultaneously
4. FEMA disasters, USGS earthquakes, NOAA alerts, UK flood warnings, crime data, air quality, and property data are collected
5. Scoring functions compute seismic exposure, flood risk, weather/wind risk, environmental contamination, crime exposure, and climate trajectory
6. A structured JSON response is returned with the Composite Peril Score, risk tier, premium modifier, and underwriting notes

FAQ

Q: What regions are covered? A: US coverage via FEMA disaster declarations, USGS earthquakes, and NOAA weather alerts. UK coverage via Flood Warnings, Police Crime Data, and Land Registry. Global earthquake and air quality data available through USGS and OpenAQ.

Q: Does this replace catastrophe modeling software? A: No. This provides data-driven risk signals from public sources to supplement underwriting workflows. It complements but does not replace RMS, AIR Worldwide, or CoreLogic catastrophe models.

Q: How accurate is the geocoding? A: Nominatim uses OpenStreetMap data and provides street-level geocoding accuracy for most addresses. For maximum precision, provide latitude and longitude directly.

Q: Can it assess multiple properties in a portfolio? A: Run the tools separately for each property location. For portfolio-level batch processing, use the Apify API to parallelize assessments.

Q: Is it legal to use this data? A: All data sources are public government databases. See Apify's guide on web scraping legality.

Q: Can I combine this with other MCPs? A: Yes. The Infrastructure Location Risk MCP provides a broader assessment with 16 data sources. The Construction Project Risk MCP focuses on construction-specific hazards.

Related MCP servers

MCP Server	Description
ryanclinton/infrastructure-location-risk-mcp	Broader location risk with 16 data sources including infrastructure quality
ryanclinton/water-utility-risk-intelligence-mcp	Water utility and infrastructure risk assessment
ryanclinton/construction-project-risk-mcp	Construction site risk with OSHA and EPA data

Integrations

This MCP server runs on the Apify platform and supports:

• Apify API -- Call any tool programmatically via the Apify Actor API
• Scheduling -- Set up annual policy renewal risk reassessments
• Webhooks -- Get notified when assessments complete for integration with underwriting workbenches
• Apify integrations -- Connect to Slack, Google Sheets, Zapier, Make, and other platforms