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<p>The Risk Factor model is designed to approximate risk and not intended for active events.</p>


<p>Past, present, and future risk projections based on peer-reviewed research from the world’s leading climate modelers.</p>


Find your property's risk

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<h1 style="text-align: center; margin-top: 40px">Learn how risks are calculated</h1>
<p style="text-align: center;">A property&#8217;s Flood Factor, Fire Factor, and Heat Factor indicate its comprehensive risk from flooding, wildfire, or extreme heat ranging from 1 (minimal) to 10 (extreme).</p>
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<h2>Flood Factor</h2>
<p>Flood Factor® considers flooding from rain, rivers, tidal, and storm surge to determine the risk of water reaching the building over a 30 year period.<br />
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<h2>Fire Factor</h2>
<p>Fire Factor® considers the property&#8217;s building materials, and distance to fire risk areas, and burnable materials, such as vegetation, to determine the risk of being impacted by wildfire.<br />
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<h2>Heat Factor</h2>
<p>Heat Factor™ considers the property&#8217;s distance to water, land use, and relative elevation to determine the severity of extreme heat at the property and calculate the cost of staying cool.<br />
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<h1 style="text-align: center;">Integrated on real estate platforms</h1>
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<h1 style="text-align: center;">Risk across the United States</h1>
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<h1 style="text-align: center;">Highlights</h1>
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