| Property | Address | Score | Level | Flood | Storm | Heat | Fire | Status |
|---|
Terrametric produces a composite climate risk score on a 0–100 scale by combining four independently sourced hazard scores using a configurable weighted average. The default weights reflect academic literature on US property loss exposure.
When financial inputs are provided, Terrametric adjusts property value using a NOI-based cap rate model. Climate risk increases the effective cap rate (reducing value) and adjusts insurance and vacancy assumptions.
| Scenario | Insurance Δ | Cap Rate Δ | Vacancy Δ | OpEx Δ |
|---|---|---|---|---|
| Low | +5% | +0.10% | +0.0% | +0.0% |
| Moderate | +25% | +0.40% | +0.5% | +1.0% |
| High | +60% | +1.00% | +1.5% | +3.0% |
Annual insurance cost is estimated from FEMA flood zone, property value, and state-level hazard exposure. Estimates are indicative only — actual premiums depend on building characteristics, coverage limits, and carrier.
| Flood Zone | Annual Premium Range (per $1M value) | Notes |
|---|---|---|
| Zone X | $800 – $2,000 | Standard HO policy, no NFIP required |
| Zone X500 | $1,500 – $4,000 | Preferred risk NFIP available |
| Zone A / AE | $4,000 – $12,000 | NFIP mandatory for federally-backed loans |
| Zone V / VE | $8,000 – $25,000 | Coastal high-velocity; private market often required |
Terrametric scores are indicative only and do not constitute investment advice, engineering assessments, or insurance recommendations. Wildfire risk is currently sourced at county level due to API access restrictions — property-level scores may differ significantly within a county. Heat scores reflect 30-year historical normals and do not account for projected future warming. All scores should be validated with independent assessments for material investment decisions.