Smarty, an address intelligence provider, announced the launch of its U.S. Property Risk Data product. The new API-based solution transforms FEMA’s National Risk Index (NRI) into structured, address-level hazard intelligence, enabling insurers, lenders and real estate platforms to model risk and evaluate exposure at high speed.
The API returns more than 465 NRI data fields across 18 natural hazards, as well as economic and population data, geographic identifiers, and community resilience scores. Natural threats covered include:
- Fire hazards: lightning, wildfire
- Weather-related hazards: cold wave, drought, hail, heat wave, hurricane, ice storm, strong wind, tornado, winter weather
- Water-related hazards: coastal flooding, riverine flooding, tsunami
- Geological hazards: avalanche, earthquake, landslide, volcanic activity
Smarty delivers key metrics for each hazard, such as expected and historical loss ratios, event frequency and exposure by asset type. These insights empower insurers to assess risk and underwrite with greater accuracy and speed.
“The challenge is never simply accessing FEMA data; it’s making it queryable at the individual property level,” said Brent Francom, Smarty’s Director of Product Management, in a statement. “We’ve essentially pre-computed the hazard profiles for every U.S. address, so a single API call returns everything you need for high-level risk assessment.”
The solution integrates with existing workflows through a cloud-based API, allowing companies to quickly add FEMA risk intelligence into pricing models, eligibility rules or investment analysis tools without custom development. It also includes SmartyKey, a persistent unique identifier that simplifies deduplication, enrichment and data linking.
“When you can instantly flag high-risk properties during application intake, it fundamentally changes your workflow efficiency,” Francom said. “What used to take weeks now happens in milliseconds.”
Smarty said U.S. Property Risk Data is now available to purchase with flexible pricing based on API usage, or to test with a 42-day free trial.