Flood zone, wildfire score, vegetation proximity, slope, and composite risk — with XGBoost + SHAP explainability so underwriters know exactly why each property received its score.
Underwriters need geospatial answers for every property — flood zone, wildfire proximity, slope, composite risk. Manual lookup is hours per property; thousands of properties per quarter.
Hours per property for manual FEMA NFHL + terrain + vegetation lookup
Subjective risk scoring with no audit trail
Black-box models regulators won't accept
Quarterly portfolio refresh rarely actually quarterly
Fourteen workflows that take a property table in and put a per-property explainable risk score out.
| Workflow | Name & what it automates | Time saved |
|---|---|---|
| #242 | Property Risk Enrichment Batch geocode + flood zone + wildfire + slope + composite risk | — |
| #243 | XGBoost + SHAP Risk Scoring Interpretable risk model with per-feature contribution analysis | — |
| #235 | FEMA NFHL Spatial Join Automated flood zone lookup (A, AE, X, V, VE) with effective-date stamp | — |
| #237 | Wildfire Risk Scoring 0–100 composite score from vegetation + slope + fuel + WUI proximity | — |
| #239 | Hail Swath Loss Modeling Historic hail swath intersection with property polygons + loss-curve application | — |
| #241 | Tornado-Track Loss Modeling Storm Prediction Center track database joined to insured property layer | — |
| #244 | Roof Material from Imagery AI roof material + condition classification from aerial imagery | — |
| #62 | Flood Risk — Infrastructure Per-asset SFHA classification with audit-ready trail | — |
Modeled on a mid-sized P&C insurer enriching 250,000 properties per year.
| Metric | Manual / current tooling | GeoDataConverter |
|---|---|---|
| Annual enrichment cost | $304,375 | $37,488 |
| Net savings | — | $266,887 (712% ROI) |
| Processing time (250K properties) | 3,875 hours | 12 hours |
| Score explainability | None | Per-feature SHAP |
The XGBoost model produces SHAP values per property showing exactly which factors contributed to the risk score: flood zone, wildfire proximity, slope, vegetation, roof material, distance to fire station. This is auditable, explainable risk scoring that underwriters and state regulators will accept.
Send a CSV of 1,000 property addresses. Get back flood zone, wildfire score, slope, and composite risk with SHAP explanations.