For carriers & MGAs
Underwrite every address with full source transparency.
Wind, flood, wildfire, hail, earthquake, surge, environmental — every peril scored at the parcel level from federal primary sources. No black boxes. Full methodology transparency. Built for carriers managing rated books and MGAs defending their underwriting to capacity providers. Integrates into your existing policy admin system via API.
The challenge
What’s holding your team back
Black-box vendor lock-in
Your current hazard vendor gives you a score but not the inputs. When your DOI asks how a property was rated, you cannot show your work.
ZIP-code granularity in a parcel-level world
Two houses on the same street can face completely different flood, wildfire, and wind exposures. ZIP-level averages hide the variance that drives loss.
Stale data between vendor refreshes
FEMA map revisions, new wildfire perimeters, and updated storm history land in federal databases months before your vendor picks them up.
MGAs: your capacity provider questions your risk selection
When your carrier partner asks how you underwrote a book of coastal properties, you need to show auditable, source-transparent hazard data — not a score from the same vendor they already use.
Enterprise pricing for enterprise data
Seven-figure annual contracts with multi-year minimums. You pay the same whether you query 10,000 addresses or 10 million.
The solution
What carriers and MGAs get from GridHazard
Multi-peril API — one call, every hazard
Wind, hail, tornado, flood, wildfire, earthquake, surge, lightning, environmental, climate normals — all in a single REST response keyed to latitude/longitude.
DOI-defensible methodology
Every score traces to a named federal dataset, a documented methodology, and a version-stamped data vintage. Built for regulatory scrutiny.
Portfolio-level batch scoring
Upload a CSV of addresses and get back a scored file with every peril column populated. Use it for book rolls, renewal re-rating, or concentration analysis.
Policy admin and MGA platform integration
REST API designed for Duck Creek, Majesco, Instanda, Guidewire, and MGA platforms like Federato, Ascend, and custom PAS. Sub-400ms warm response times.
Transparent scoring — no black boxes
Every composite index publishes its inputs, weights, and normalization method. Your actuaries can audit the math, not just consume a number.
Federal-source freshness
Data refreshed directly from FEMA, NOAA, USGS, EPA, CAL FIRE, and NIFC. No third-party aggregation lag.
See GridHazard data on your book.
Send us a sample file of 100 addresses. We will return a scored file within 24 hours — no contract, no commitment.
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