Use cases

Built for climate-aware software.

Whether you're pricing risk, originating loans, or building property search — Gravelo gives you all five hazards as a single, auditable JSON response.

01 — Insurance & Underwriting

Price climate exposure at origination — not after the claim.

Underwriters need hazard scores they can drop straight into pricing models. Gravelo returns FEMA flood zone, wildfire NRI score, earthquake PGA, and normalized 0–100 scores in a single call — no GIS team required.

Common pain points

  • —Manually cross-referencing FEMA FIRM panels for every new policy
  • —No wildfire or earthquake signal at the address level without a separate vendor
  • —Stale snapshots that don't reflect updated flood maps

Relevant response fields

flood.fema_zoneFEMA FIRM designation — AE, X, VE, etc.
flood.score0–100 normalized flood risk
wildfire.scoreFEMA NRI census-tract wildfire score
wildfire.score_basise.g. "FEMA NRI score 82 (Very High)"
earthquake.pga_gPeak Ground Acceleration — 2%/50yr
earthquake.scoreCalibrated seismic risk 0–100

Example response

JSON
{
  "flood": {
    "fema_zone":    "AE",
    "score":        80,
    "label":        "High",
    "score_basis":  "FEMA zone AE"
  },
  "wildfire": {
    "risk_rating":  "Very High",
    "score":        82,
    "label":        "High",
    "score_basis":  "FEMA NRI score 82 (Very High)"
  },
  "earthquake": {
    "pga_g":        0.087,
    "score":        22,
    "label":        "Watch",
    "score_basis":  "PGA 0.087g (2%/50yr, USGS NSHM)"
  }
}
02 — Mortgage & Lending

Climate risk disclosure at loan origination, not at renewal.

Regulators and GSEs are moving toward mandatory climate risk disclosure. Gravelo lets you score every property at origination and store the result — a defensible, auditable record tied to a specific coordinate and timestamp.

Common pain points

  • —No automated way to capture flood or wildfire risk at the time of application
  • —FEMA zone lookups are slow, manual, or require expensive GIS middleware
  • —No single field that summarises multi-hazard exposure for portfolio analytics

Relevant response fields

flood.fema_zoneStore alongside the loan record
flood.scoreNumeric for portfolio roll-ups
river.flood_stage_pctReal-time gauge proximity — not just zone
river.score_basisAuditable — shows exactly what drove the score
updated_atISO 8601 timestamp — snapshot provenance

Example response

JSON
{
  "location":  { "lat": 34.05, "lng": -118.24 },
  "flood": {
    "fema_zone":    "X",
    "score":        5,
    "score_basis":  "Outside all mapped flood zones"
  },
  "river": {
    "nearest_gauge":    "LA River at Long Beach",
    "flood_stage_pct":  12,
    "score":            3,
    "score_basis":      "12% of flood stage"
  },
  "updated_at": "2026-03-17T06:00:00Z"
}
03 — Real Estate Platforms

Show buyers the full hazard picture before they make an offer.

Home buyers are asking about climate risk. Listing platforms that surface flood, wildfire, air quality, and earthquake data at the property level win trust — and reduce liability. One API call returns all five hazards as clean JSON you can render in any UI.

Common pain points

  • —Buyers discover flood zone risk after going under contract, not before
  • —Air quality and wildfire aren't surfaced at all on most listing sites
  • —Pulling from five separate government APIs is months of integration work

Relevant response fields

flood.labelHuman-readable — render directly in UI
air_quality.aqiEPA AQI — familiar to consumers
air_quality.category"Good", "Moderate", "Unhealthy" etc.
wildfire.risk_ratingFEMA NRI label — "Very High" etc.
earthquake.label"Minimal" / "Watch" / "High"

Example response

JSON
{
  "flood":       { "label": "Minimal", "score": 5  },
  "air_quality": {
    "aqi":       41,
    "category":  "Good",
    "score":     5
  },
  "river":       { "label": "Minimal", "score": 3  },
  "wildfire":    { "risk_rating": "Low", "score": 18 },
  "earthquake":  { "label": "Watch",   "score": 24 }
}
04 — ESG & Portfolio Risk

Quantify climate exposure across every asset in your portfolio.

Asset managers and corporate real estate teams need to report physical climate risk across hundreds or thousands of locations. The batch endpoint lets you score up to 50 coordinates per call — all five hazards, all at once.

Common pain points

  • —No consistent methodology for comparing flood risk in Miami vs wildfire risk in LA
  • —Manual reporting workflows that can't scale across a large property portfolio
  • —Vendor lock-in to expensive climate analytics platforms for basic hazard scores

Relevant response fields

POST /v1/risk/batchUp to 50 locations per call
*.scoreConsistent 0–100 across all 5 hazards
*.score_basisAuditable methodology string per hazard
calls_chargedPredictable cost — 1 call per location

Example response

JSON
POST /v1/risk/batch
{
  "locations": [
    { "lat": 25.76, "lng": -80.19 },
    { "lat": 34.05, "lng": -118.24 },
    { "lat": 47.61, "lng": -122.33 }
  ]
}

// Response: results[], each with all 5 hazards
// calls_charged: 3

Get started

One endpoint.
Five hazards. Free to try.

100 calls/month on the free tier. No credit card. Production-ready data from FEMA, EPA, USGS, and NOAA.

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