For lenders
Protect your collateral with property-level hazard intelligence.
Assess flood, wildfire, earthquake, environmental, and climate exposure at origination and annual review. Ensure adequate insurance coverage on every property in your portfolio. Built for residential mortgage servicers, commercial real estate lenders, and CMBS platforms.
The challenge
What’s holding your team back
Collateral risk is assessed once and forgotten
You evaluate hazard exposure at origination. But FEMA maps change, wildfire perimeters expand, and new flood data emerges — your Day 1 assessment decays.
Inadequate borrower insurance is your problem
If a borrower's policy does not cover the actual hazards at the property and a loss event occurs, the lender is exposed. Force-placed insurance is a backstop, not a strategy.
Portfolio concentration is invisible
Without parcel-level hazard data across your entire book, you cannot see that 200 loans are concentrated in a SLOSH Category 3 surge zone or a WUI boundary area.
Regulatory pressure on climate risk disclosure
SEC climate disclosure rules and OCC guidance on physical risk require lenders to quantify and report property-level climate exposure across their portfolios.
The solution
What lenders get from GridHazard
Origination hazard screen
One API call at loan origination returns every relevant hazard — flood zone, wildfire risk, earthquake PGA, surge exposure, environmental proximity — so you can assess collateral risk before funding.
Annual portfolio re-screening
Upload your portfolio CSV annually. Get back updated hazard scores reflecting the latest FEMA map revisions, new wildfire perimeters, and storm event data.
Insurance adequacy monitoring
Cross-reference borrower policy limits against actual property hazard exposure. Flag properties where coverage is insufficient before a loss event surfaces the gap.
Concentration analysis
Map your portfolio exposure by peril and geography. Identify concentration risk at the census tract, county, and MSA level.
Climate disclosure data feed
Export property-level physical climate risk metrics — flood, wildfire, heat, precipitation — formatted for TCFD and SEC climate disclosure frameworks.
Batch and real-time API
Real-time single-address lookups for origination workflows. Batch CSV processing for portfolio-level analysis. Sub-400ms warm response times.
Screen 100 properties from your book — on us.
Send us a sample CSV with 100 addresses from your portfolio. We will return a fully scored file within 24 hours.
Contact Sales →