Catastrophe Intelligence for Underwriters
Multi-peril hazard scores, modeled hurricane loss, portfolio EP curves and OED export for every US address — with the model’s limits printed on every number, so the figure you carry into a file can be defended in the room.
What the File Gets
Point Hazard Lookup
Enter any US address. Get multi-peril hazard scores with every component that made them, the research each rests on, and the model's limits on the same page. Vulnerability proxies are reported beside the score, never inside it; the hazard score is hazard only.
Open Hazard Lookup →Modeled Damage Costs
Expected annual loss and return-period losses in dollars from 10,000 simulated hurricane seasons — for one address or a whole book. Every return-period figure carries a 90% sampling band and is rounded to three significant figures. It refuses where it cannot be trusted: perils whose event sets do not reproduce across random seeds at a single site, and a site struck by too few simulated events, get no number rather than a plausible one.
Read the API →Flood Claim History
What the National Flood Insurance Program has actually paid in a census tract since 1978, from 2.7 million real claims. Not a model — paid claims, with what they can and cannot tell you stated alongside.
Read the API →Portfolio Analysis
Upload up to 1,000 locations on Analyst. Building, contents and BI values, construction and occupancy codes, year built, site terms, country, area and currency are read as supplied and written back on export; the review queue orders locations for a look and says when a position reflects what is not yet known rather than low hazard. OED export (the location, account and reinsurance files plus Calchis hazard-score extension files) is included from Analyst.
Open Portfolio Tools →Portfolio EP Curves
OEP, AEP and tail figures for hurricane, wildfire and earthquake from Analyst, each point with its bootstrap band and the number of simulated years behind it. Ground-up by default; gross applies the OED site deductible and limit on each row as uploaded and counts the rows that carried none.
Open Portfolio Tools →The County Record, Public and Cited
A hazard-history page for every county from the federal record: NCEI storm events since 1996, FEMA declarations since 1965, NFIP claims and payments since 1978, the costliest and deadliest records — each figure linked to the row it came from, and what the record cannot tell you said beside it.
Browse county records →Live Event Monitoring
Live US multi-peril feeds with consequence rings, the NHC forecast cone and NWS watches on their zones, and parametric trigger proximity. 5-minute detection for earthquakes, severe weather and NWS alerts; 15–30 minutes for hurricane and wildfire hotspot feeds; official NIFC fire perimeters every 12 h.
Open Live Map →Every Number Carries Its Limits
Hazard model 4.2: each version is explained in a public changelog, every score and loss response names the version it came from, and the model's known limits travel with the figure as notes rather than staying in a footnote. The methodology page states what is fitted, what is benchmarked, and what is still open.
Read the methodology →Try It on One Address
- Four-step setup — one address scored, a book uploaded, an API key, and what the numbers are and are not; or look up a ZIP or county free, no account needed.
- Upload a small book — 10 locations on the free plan; OED column names are read as they are.
- Read the API — scores, modeled loss, flood claim history and the event feed over REST; and the help center — 29 walkthroughs written from the product, 7 of them with captioned video.
USGS 2023 NSHM and 3DEP · NOAA HRD HURDAT2 · NOAA NHC · NWS alerts · NOAA SPC · NOAA NCEI Storm Events · NASA FIRMS · NIFC and MTBS · USDA Forest Service Wildfire Risk to Communities · FEMA NFHL, NFIP claims and OpenFEMA declarations · Hazus 6.1 via NHERI SimCenter DLML · NLCD land cover · US Census
Earthquake · Hurricane · Storm Surge · Wildfire · Flood · Tornado and Hail · Severe Convective Storm
Start free with single-address lookups and a 10-location book. Analyst adds full API access, modeled loss and portfolio EP curves for up to 1,000 locations, OED export included.
Exports follow OASIS LMF v2.5.0 and OED field naming, and GeoJSON output follows the OGC specification. Calchis has no SOC 2 report; the current control posture is described on the security page.
Loss figures are modeled estimates from simulated event sets — not observed losses, and not for actuarial, regulatory or underwriting use without the model’s stated limits read alongside them.