Hazards & Risks Report
The Hazards & Risks report from Cotality®, provides property-level information for a variety of risk types.
- Earthquake—including probability, severity (shaking/damage), soil types, and spectral acceleration
- Wildfire—based on a combination of brushfire data, proximity to high-risk areas, recent fires, and more
- Wind & Storm—tornadic, straight-line, and hurricane event risk
- Crime—neighborhood statistics for common property and violent crimes
- Regional—such as hail, lava, tsunami, and sinkholes
- Distance to Fire Station—an important first-responder metric
- Roof Age—based on construction and permit data
Click here to view the Hazards & Risks Report.
Add Hazards & Risks Report to Cart
To begin using Hazards & Risks Report, you must search for the subject property in question and then navigate to the property details report. From here you’ll be able to access the Hazards & Risks report tab at the left of the report. Click on this tab to access the dedicated page setup to add the product to cart. Below is an example of the interface to add the product to the cart.
Once you’re on the Building Permits Report page, click the button that says "Add to Cart". This will initiate the checkout process.
Click here to view the Hazards & Risks Add to Cart page.
Proceed to Checkout
Navigate to your cart and click “Checkout.” You’ll be prompted to enter your payment information to complete the purchase. Each report is available for $9.99.
Click here to view the checkout panel.
Complete Payment
Enter your credit card information and review your order. Once you’re ready, submit the payment.
Access Your Report
Upon successful payment, your Hazards & Risks Report will be available for viewing and download. You can now access property-level information for a variety of risks to better serve your clients.
Understanding each risk profile
Please see below for more details on each risk profile, description, and rating.
Crime Risk Score
Cotality provides the most detailed national database of neighborhood crime statistics available today through Location Inc., a Cotality company. CrimeRisk™ data contain no Prohibited Basis - data about race, color, religion, national origin, sex & orientation, marital status, age, or disability. These crime scores and indexes are created using proprietary methodology. Indices have been built using a distance weighted cone of influence sampling methodology to more accurately portray reality. The database includes statistics for murder, aggravated assault, larceny, robbery, property crime, motor vehicle theft, rape, burglary, and overall total crimes.
| Risk Score | Risk Description |
|---|---|
| Very Low Risk (0-10) | Crime Risk half the national average or lower |
| Low Risk (11-20) | Crime Risk half the national average to the national average |
| Moderate Risk (21-40) | Crime Risk from the national average to twice the national average |
| High Risk (41-60) | Crime Risk from two to three times the national average |
| Very High Risk (61-80) | Crime Risk from three to four times the national average |
| Extreme Risk (81-99) | Crime Risk from four to five times the national average |
| Very Extreme Risk (100) | Crime Risk five times the national average or higher |
Earthquake Risk Score
Earthquake Risk Score predicts a location’s risk for earthquake damage, along with the potential earthquake severity. Earthquake Risk Score incorporates the most current earthquake science and data available to produce a probabilistic risk model covering the entire United States. The information is intended to serve as an indicator of the extent of ground shaking that could occur at a location in the event of seismic activity. Our earthquake risk score is derived from our proprietary model that incorporates a comprehensive view of how soil type affects ground shaking. The model combines two factors to determine an overall earthquake risk score – ranging from Very Low to Very High risk; normalized to give a useful scoring system from 1-100; where 100 is the highest risk.
| Risk Score | Risk Description |
|---|---|
| 1-19 | Very Low |
| 20-24 | Low |
| 25-60 | Moderate |
| 61-80 | High |
| 81-100 | Very High |
Wind & Storm Risk Score
Wind Risk Score provides information about a locations risk score (1-100) for each of: tornadic, straight-line and hurricane wind risk events.
Wildfire Risk Score
This report provides information about a property location’s wildfire risk. Cotality’s Wildfire Risk Score data utilizes a combination of brushfire data and proximity to higher risk areas and Wildlands to provide an accurate assessment of a property’s wildfire exposure to risk on the property and from firebrands. Since fuels are often consumed by a fire, recent fire activity may lower the Risk Description and the Risk Score within the perimeter of a recent fire. This reduction in risk is calculated into the risk score in the year following the fire but is only temporary. As the fuels regrow the risk will return to its original pre-fire value.
| Risk Score | Risk Description |
|---|---|
| Low (0-50) | Minimal wildfire threat. Possible ember ignitions based on more distant fuels. |
| Moderate (51-60) | Increased wildfire threat due to closer proximity to ember sources. |
| High (61-80) | Elevated wildfire threat. Ember ignitions from nearby or adjacent fuel sources or possible higher risk fuels on the property. |
| Very High (81-100) | Extreme wildfire threat. Not only embers from nearby fuels but likely higher risk fuels on the property or in very close proximity |
Regional Risks
Tsunami
The Tsunami Risk shows you planned areas of evacuation in the event of tsunami. This Feature covers the states of California, Hawaii, Oregon, and Washington. It is based on source data available from the Pacific Disaster Center, the National Geophysical Data Center, the Washington Department of Natural Resources, and the California Department of Conservation.
Hailstorm Risk
This report provides a Hail Claim Score (1-100) based on the probability of a hail claim being submitted for a property location for both Personal Lines and Commercial Lines properties at the census block level. In addition, a Hailstorm Risk Score (1-100) of 1” hail stones impacting a property location is provided along with the annual probability of 0.75” hail stones, 1.0” inch hail stones, 1.5” hail stones, and greater than 2” hail stones. Utilizing Cotality Hail Verification Technology, Storm Prediction Data, and North American Regional Reanalysis data we have created a 20km x 20km grid for the continental U.S to identify the annual probability for hail risk at distinct sizes.
Sinkhole Risk
This report uses ground composition data, a comprehensive database of known sinkholes, and a proprietary methodology developed by a team of PhD-level scientists that analyzes soil and other factors that contribute to catastrophic ground collapse. In addition to risk level, the Sinkhole Integrated report also provides distance and status of sinkholes within user defined distances from the subject property. This comprehensive report is a great way for users to gain more insight into sinkhole risk.
Lava
Provides lava flow hazard zone information for the large island of Hawaii. The lava flow hazard zones depicted in this were developed for the five volcanoes on the Island of Hawaii by the United States Geological Survey (USGS) and Hawaii Volcanoes Observatory.
Distance to fire station
Provides the distance, in feet, to the three nearest fire stations.
Roof Age
This report uses building permit data to determine the age of a roof. It can be used for both homes and commercial properties. If no permit is found, the report uses other data such year build to estimate the age of the roof.