Portfolio exposure
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.
Sec. 01 — The decision
Most risk teams already hold a FEMA map, an insurance schedule and a memory of the 2021 hail event, but no comparison where every asset was measured the same way. This puts the portfolio on one ruler.
See how the research worksSec. 02 — Evidence
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 | FEMA National Flood Hazard Layer intersected with the building footprint, not the parcel | Establishes 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 | USGS 3DEP LiDAR-derived elevation at and around the footprint | Shows 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 | NOAA severe weather reports and gridded hail swaths at the parcel, dated and sized | Counts dated hail days at or above 1.0 in and 1.75 in since a chosen baseline, usually the last reroof. It does not prove damage, loss or an open claim. |
| Design wind context | ASCE 7 basic wind speed and exposure category at the coordinate, distance to open coast | Establishes 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 | Aerial imagery: membrane or metal system, ballast, parapet height, unit restraint, drainage | Identifies 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 | Federal wildfire risk and fuel datasets, LiDAR slope, visible defensible-space clearance | Ranks assets by fuel proximity, slope-driven fire behaviour and the clearance that actually exists today. It does not predict ignition, and vegetation changes faster than imagery refreshes. |
| Heat and roof thermal load | Extreme-heat day frequency, urban heat island surface temperature, roof colour from imagery | Flags 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 | Road network topology at the site, single-access conditions, adjacency to rail and industry | Identifies assets with one way in, or a hazardous neighbour, 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.
Sec. 03 — The engagement
One ranked comparison with the reason for each position visible, so a capital committee argues with the evidence.
Every asset ordered by composite exposure against the hazards you weighted, with the driving exposure named.
Flood zone at the footprint, terrain position, hail and wind history, wildfire and heat, each with source and date.
Roof system, ballast, parapet, unit restraint, drainage, tree overhang and defensible space from current imagery.
Which exposures rest on current data, which on a decade-old panel, and where a missing record is not an absent event.
Correlated exposures across the portfolio, repeated constraints, and asset groups sharing one mitigation strategy.
The engineering, environmental, elevation and insurance work each ranked asset now needs, in cost order.
Sec. 04 — Limits
We are not an insurer, an engineer, an appraiser or a modelling firm, and the report says so on its face.
Sec. 05 — Questions
No — this is property research and prioritisation, 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 with 100 analyst-reviewed each month, from From $1,500 on an initial 2-month term.
Further reading
The method behind this report, written out in full.
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Explore this solutionStart with three assets
Give us three 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
