Portfolio exposure
Property Risk and Resilience Screening
We place every building footprint against flood zones, terrain, hail and wind history, wildfire fuel, heat, and visible roof vulnerability, then rank the portfolio. The first 3 are free.
Free preview: 3 properties, delivered 3 business days after we confirm your territory. No card, no call.
A structural engineer costs four figures per building. A portfolio of two hundred buildings cannot start there.
A risk team often holds a FEMA map, an insurance schedule, and the memory of a bad hail year, but no comparison where every asset was measured the same way. This puts the portfolio on one ruler.
See how the research worksEvidence
The eight exposures, measured at the building footprint wherever the source allows
A parcel can sit in a flood zone while the building sits on the high corner of it, and that difference decides whether an elevation certificate is urgent.
| Exposure | Where it comes from | What it settles — and what it does not |
|---|---|---|
| Flood zone at the structure | Where it comes fromFEMA National Flood Hazard Layer intersected with the building footprint, not the parcel | What it settles — and what it does notEstablishes whether the structure sits in an A, AE, VE, shaded X, or unmapped area, and how much of the footprint is affected. Finished floor elevation needs an elevation certificate. |
| Terrain and local drainage | Where it comes fromUSGS 3DEP LiDAR-derived elevation at and around the footprint | What it settles — and what it does notShows whether the building sits in a local low point and where sheet flow collects, which often explains repeated losses outside any flood zone. It is not a hydraulic model. |
| Accumulated hail exposure | Where it comes fromNOAA severe weather reports and gridded hail swaths at the parcel, dated and sized | What it settles — and what it does notCounts dated hail days at or above 1 inch and 1.75 inches since a chosen baseline, usually the last reroof. It does not prove damage, loss, or an open claim. |
| Design wind context | Where it comes fromASCE 7 basic wind speed and exposure category at the coordinate, distance to open coast | What it settles — and what it does notEstablishes the design basis and whether the building sits in a wind-borne debris region, which drives glazing and roof-attachment requirements. It says nothing about as-built attachment. |
| Roof vulnerability | Where it comes fromAerial imagery: membrane or metal system, ballast, parapet height, unit restraint, drainage | What it settles — and what it does notIdentifies the roofs most exposed to hail and uplift — ballasted systems in hail country, unrestrained units in high wind, blocked drains. Fastener pattern and uplift rating need an inspection. |
| Wildfire exposure | Where it comes fromFederal wildfire risk and fuel datasets, LiDAR slope, visible defensible-space clearance | What it settles — and what it does notRanks assets by fuel proximity, slope-driven fire behavior, and the clearance that actually exists today. It does not predict ignition, and vegetation changes faster than imagery refreshes. |
| Heat and roof thermal load | Where it comes fromExtreme-heat day frequency, urban heat island surface temperature, roof color from imagery | What it settles — and what it does notFlags assets where dark low-slope membrane in a heat island pressures mechanical capacity and tenant continuity. It is not an HVAC capacity calculation. |
| Access and continuity geography | Where it comes fromRoad network topology at the site, single-access conditions, adjacency to rail and industry | What it settles — and what it does notIdentifies assets with one way in, or a hazardous neighbor, where an event isolates operations even if the building is untouched. It does not model utility restoration priority. |
FEMA panels are revised county by county and some predate current development, so the report gives the effective date per property. NOAA storm reports are observation-based, so rural events are under-reported.
This is a screening instrument, and it is regulated territory, so the boundary matters.
We are not an insurer, an engineer, an appraiser, or a modeling firm, and the report says so on its face.
Settled by the report
- Which structures — not parcels — sit in mapped flood hazard areas, and how much of the footprint
- Where each building sits in the local terrain and where surface water collects
- How many dated hail and high-wind events each parcel recorded since your baseline
- Which roofs are most visibly vulnerable to hail, uplift, and drainage failure
- Where exposure concentrates across the portfolio rather than at a single asset
Not settled — licensed work required
- Finished floor elevation and whether it sits above the base flood elevation
- Structural condition, roof attachment adequacy, or uplift rating as built
- Probable maximum loss, expected annual loss, or any actuarial figure
- Whether past events caused damage, and whether a claim or repair followed
- Insurability, premium, coverage terms, or replacement cost
The five checks that follow a screening rank
- Order an elevation certificate for any structure the footprint analysis places in an A, AE, or VE zone.
- Commission a roof inspection with uplift and attachment review on the assets ranked highest for wind and hail.
- Reconcile the ranking against your own loss history and current insurance schedule.
- Engage a drainage consultant where the terrain analysis found a low point outside any mapped flood zone.
- Take the concentration findings to your broker before renewal, since correlated exposure is priced differently.
The diligence budget goes to the assets that earned it.
One ranked comparison with the reason for each position visible, so a capital committee argues with the evidence.
- 01Define the portfolio and weightingYou provide the address schedule, the hazards that matter, and the business impact you are protecting.
- 02Measure every footprint identicallyWe intersect each footprint with the hazard layers, pull dated weather history, and review roof condition in imagery.
- 03Rank and sequence the workAn analyst orders the portfolio, records where a map is old or an observation ambiguous, and sequences diligence by cost.
- Ranked portfolio register
- Every asset ordered by composite exposure against the hazards you weighted, with the driving exposure named.
- Hazard profile per asset
- Flood zone at the footprint, terrain position, hail and wind history, wildfire, and heat, each with source and date.
- Roof and site observations
- Roof system, ballast, parapet, unit restraint, drainage, tree overhang, and defensible space from current imagery.
- Confidence and vintage notes
- Which exposures rest on current data, which on a decade-old panel, and where a missing record is not an absent event.
- Concentration summary
- Correlated exposures across the portfolio, repeated constraints, and asset groups sharing one mitigation strategy.
- Diligence and mitigation checklist
- The engineering, environmental, elevation, and insurance work each ranked asset now needs, in cost order.
Further reading
How this screen is actually run.
Where this sits relative to your insurer, your engineer, and your model.
No — this is property research and prioritization, not a quote, a catastrophe model, a coverage determination, an appraisal, or an engineering opinion. It tells you which assets to send those professionals to.
No. A rank reflects measured exposure against the hazards you weighted; it does not predict a loss or establish causation, and construction and maintenance are not fully visible remotely.
Yes, as the first pass, which is most useful when the diligence period is short and the portfolio large. The transaction still needs Phase I environmental, structural, title, legal, and on-site work.
Yes. Territory Monitor keeps up to 500 properties under watch and puts 100 of them through analyst review each month, from $1,500 a month on an initial 2-month term.
Other property questions we answer with the same workflow.
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The same roof and storm evidence, aimed at contractors selling the mitigation.
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A portfolio question that does not fit a hazard screen, scoped against the sources that answer it.
Read the report type
Send us 3 addresses and see what the footprint analysis finds.
Give us 3 properties and the hazards that matter to your operation. We return the full exposure profile for each, with sources and dates, in 3 business days, free.
3 properties · 3 business days · no card