Natural Catastrophe Risk Scoring API

Location-based risk intelligence for insurance, powered by 250 real-time data sources.

Cat modeling for the rest of us. Traditional catastrophe models (RMS, AIR, Impact Forecasting) cost $50K–$500K/year. Calamity delivers per-location risk scoring from $199/month — powered by the same underlying scientific data sources, with cascade risk detection that most models don't offer.

Use Cases

Underwriting

Score individual locations before issuing policies. Get per-hazard breakdown and cascade risk for informed pricing decisions.

Portfolio Management

Upload up to 1,000 locations in one API call. Identify concentration risk and high-exposure clusters across your book.

Claims Forecasting

Track risk trends over time. Identify regions where risk is increasing before losses materialize.

Regulatory Reporting

Quantify natural catastrophe exposure for Solvency II, ORSA, and climate risk disclosures.

API Response

Single endpoint, comprehensive output. Query any location and get a complete risk profile:

GET /api/v2/risk-score?lat=40.85&lng=14.27&radius=50

{
  "location": { "lat": 40.85, "lng": 14.27, "radius_km": 50 },
  "risk_score": 72,
  "risk_level": "high",
  "breakdown": {
    "earthquake": { "score": 85, "frequency_12m": 47, "avg_score": 34, "max_score": 94, "trend": "stable" },
    "volcano":    { "score": 78, "frequency_12m": 3,  "avg_score": 65, "max_score": 88, "trend": "increasing" },
    "fire":       { "score": 45, "frequency_12m": 12, "avg_score": 28, "max_score": 62, "trend": "stable" },
    "flood":      { "score": 35, "frequency_12m": 5,  "avg_score": 22, "max_score": 48, "trend": "decreasing" }
  },
  "cascade_risk": {
    "probability": 0.42,
    "total_cascades": 8,
    "top_chains": [
      { "chain": "earthquake → landslide", "probability": 0.35 },
      { "chain": "earthquake → tsunami → coastal_flooding", "probability": 0.12 }
    ]
  },
  "population_exposed": 892000,
  "top_events_12m": [ "..." ],
  "data_quality": { "events_analyzed": 67, "time_span_days": 365, "coverage": "high" }
}

Portfolio Scoring

Score your entire book in one request. Upload up to 1,000 locations with optional property values and receive individual risk scores plus portfolio-level aggregation.

POST /api/v2/portfolio
Content-Type: application/json

{
  "locations": [
    { "id": "prop_001", "lat": 40.85, "lng": 14.27, "value": 500000 },
    { "id": "prop_002", "lat": 41.90, "lng": 12.49, "value": 1200000 },
    { "id": "prop_003", "lat": 45.46, "lng": 9.19,  "value": 800000 }
  ]
}

→ Returns: per-location risk scores + portfolio summary
  (avg_risk, max_risk, risk_distribution, expected_annual_loss)

What makes Calamity different

Feature	Calamity	Traditional Cat Models
Multi-hazard (16 types)	✓	Usually 1-3
Cascade risk detection	✓ (20 rules)	✗
Real-time updates	45s–6h	Annual/quarterly
Population exposure (PEI)	✓ Gaussian decay	Varies
API access	REST JSON	Proprietary format
Price	From $199/mo	$50K–$500K/yr

Calamity Oracle — Parametric Triggers

Create Oracle contracts with multi-parameter conditions. When a disaster event matches your criteria, an HMAC-SHA256 signed webhook fires within seconds — enabling fully automated parametric payouts with cryptographic proof of trigger.

Example: Parametric trigger for Taiwan earthquake coverage

POST /api/v2/oracle/contracts
{
  "name": "Taiwan Cat Bond Trigger",
  "conditions": {
    "country_code": "TW",
    "hazard_type": "earthquake",
    "min_score": 85,
    "min_sources": 3
  },
  "webhook_url": "https://your-payout-system.com/trigger",
  "cooldown_hours": 24
}

→ Webhook fires with HMAC-SHA256 signature
→ Payload includes: event data, score, sources, CAP XML
→ Verify signature with your secret key

Conditions support: geographic area, hazard type, minimum CalamityScore, source verification count, cascade type, country rating, and forecast level — combined with AND logic.

Live Rating Feed

Continuous country-level risk ratings (A-E structural + operational color codes) with automatic delta detection. When a country downgrades, you receive a delta package with CAP XML, automated brief text, and driver analysis — enabling real-time geographic portfolio monitoring.

GET /api/v2/rating/deltas

→ Returns recent rating changes:
  { "country": "TR", "previous": "B/yellow",
    "current": "D/red",
    "briefText": "Turkey downgraded to D/red — M6.2 earthquake...",
    "capXml": "<alert>...</alert>",
    "drivers": ["severity_spike", "cascade_active"] }

Pricing

Insurance

$199/month

✓/api/v2/risk-score endpoint
✓/api/v2/portfolio (1,000 locations)
✓20,000 API requests/day
✓Per-type hazard breakdown + trends
✓14-day free trial

Enterprise

$499/month

✓Everything in Insurance +
✓200,000 API requests/day
✓Expected Annual Loss calculation
✓Cascade risk in portfolio
✓24h email support

Get API Key →API Documentation →Methodology →