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US Property Risk Data
Power smarter underwriting and automatic hazard modeling—at low cost, high volume, and a speed that feels almost irresponsible. Our lightweight API distills FEMA’s National Risk Index into big-picture risk insights for any US address.
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Streamline risk assessment
Get reliable instant risk signals for any US address, including 20M+ non-USPS properties.
Cover all natural hazards
Assess 18 natural hazard types from wildfire and flooding to geological risks.
Reduce risk modeling costs
Filter properties instantly before expensive downstream modeling.
Our results
Get industry-leading accuracy
Hazard types covered
+
Hazard risk data points
M+
Postal addresses and non-USPS addresses
B
Addresses processed all in a day's work
How it works
US Property Risk Data creates better hazard risk profiles in two simple steps
Step 1
Verify
Enter an address—Smarty automatically verifies it, corrects entry errors, normalizes each component, and standardizes the format.
Step 2
Enrich
US Property Risk Data returns a comprehensive NRI risk profile for the address (465+ data points across 18 specific natural hazards, plus composite risk metrics) along with its SmartyKey®—a persistent, unique identifier that makes it simple to blend third-party data sources.
How you win with US Property Risk Data
Make fully informed risk decisions with fast and comprehensive hazard risk intelligence.
Decrease your risk assessment costs
Skip expensive modeling by filtering properties with instant FEMA hazard scores before investing in complex downstream analysis.
Eliminate integration headaches
Ditch multiple data providers and complex setups by accessing all 18 natural hazards through one developer-friendly API.
Accelerate underwriting decisions
Get reliable risk modeling signals instantly for any US address to automate routing thresholds and speed up quote generation.
Build faster, smarter risk profiles
See detailed hazard metrics, frequency data, and expected loss to make data-driven underwriting and investment decisions.
Stop chasing government data
Transform FEMA's National Risk Index into simple, structured data that helps process millions of assessments per year.
Accurately blend disparate data
Use SmartyKey® to relate third-party risk intelligence to addresses, even when address components change over time.
How can US Property Risk Data help your industry?
Insurance
Kickstart risk modeling and assessment with instant FEMA NRI hazard scores and streamline your underwriting process. US Property Risk Data provides comprehensive risk intelligence to automate risk profiling, accelerate quote generation, and improve underwriting accuracy. Access reliable risk modeling signals that help you build better insurance programs and reduce loss ratios.
Real Estate
Empower investors with transparent natural hazard risk data for informed property decisions. US Property Risk Data delivers comprehensive FEMA risk intelligence that helps investors understand potential hazards, assess portfolio risk, and make data-driven acquisition decisions. Differentiate your platform with instant access to authoritative risk data.
Mortgage lenders
Enhance your loan processing workflow with a comprehensive property risk assessment. US Property Risk Data provides instant access to FEMA's National Risk Index, helping you evaluate natural hazard exposure during underwriting, inform lending decisions, and develop appropriate risk pricing strategies for your mortgage portfolio.
Government agencies and emergency management
Access complete FEMA National Risk Index data for comprehensive emergency and resource planning. US Property Risk Data enables you to assess risk across all addresses in your jurisdiction, develop targeted mitigation strategies, and make data-driven decisions for community resilience and emergency preparedness.
Easy-to-implement risk intelligence
Smarty’s dev-friendly documentation and pre-built SDKs will have you up and running before you’ve finished your morning espresso. Is it that sweet? We guess so.1234
freeform_lookup = EnrichmentLookup()
freeform_lookup.freeform = "1 E Main Carnegie OK"
results = client.send_risk_lookup(freeform_lookup)
print(results[0])
freeform_lookup.freeform = "1 E Main Carnegie OK"
results = client.send_risk_lookup(freeform_lookup)
print(results[0])
How others are using Smarty
What our customers are saying
The Smarty tool has been fundamental in helping us build our models…I’ve never experienced any issues with the tools, and they seem to be getting better all the time.
US Property Risk Data pricing
Start a 42-day free trial and take your first steps on the journey to risk modeling nirvana, or connect with one of our address data gurus to become one with a powerful custom plan.Free trial
$0
42 days
1,000 lookupsCustom plan
lookups/month
Started at 180K lookups Plans up to 100B lookups All 465+ risk attributes from FEMA's NRI Dedicated account representativeFAQ
What is FEMA's National Risk Index (NRI), and why should I use it?
What is FEMA's National Risk Index (NRI), and why should I use it?
FEMA's NRI provides the most comprehensive natural hazard risk data available, covering 18 different hazards with detailed metrics on frequency, impact, and expected losses for informed risk decisions. With Smarty, it’s easy to link this valuable data set to individual addresses. Pretty cool, huh?
How does US Property Risk Data eliminate data gaps?
How does US Property Risk Data eliminate data gaps?
Smarty delivers 465+ data points across 18 natural hazards in one structured API call, ensuring comprehensive coverage of FEMA’s NRI dataset without the need for manual data wrangling.
What natural hazards are covered?
What natural hazards are covered?
Comprehensive coverage including weather-related hazards and perils (hurricanes, tornadoes, hail), water-related hazards (flooding, tsunamis), geological hazards (earthquakes, landslides), and fire/lightning risks.
How does this US Property Risk Data save me money?
How does this US Property Risk Data save me money?
Ingesting NRI hazard data lets you instantly create effective risk modeling profiles for any address. It’s a low-cost, high-volume way to effectively route addresses based on risk profiles—approve, deny, or invest in further risk modeling. Using this data also helps to reduce costly legal battles concerning underinsurance or overinsurance claims that may arise following a disaster.
How much volume can US Property Risk Data handle?
How much volume can US Property Risk Data handle?
Almost more than imaginable. Smarty accurately processes tens of thousands of addresses per second—thousands of times faster than other providers. No matter how many assessments you need to process, we’ve got the horsepower to help.
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