From address to underwriting decision in three stages.

Comprehensive multi-peril scoring covering wildfire, flood, crime, earthquake, environmental risk, wind, and hail. All hazards analyzed from a single data pull.

Each peril receives an A through F grade, with the most significant risks highlighted.

Specialized hazard intelligence databases with nationwide coverage.

Area-level analysis. Does not account for individual property mitigation measures or structural resilience.

Used for initial risk triage, identifying which perils need attention, and documenting hazard exposure for the underwriting file.

Dual-sourced building permit history showing every recorded permit, renovation, and structural modification.

Returned as a chronological permit list with type, date, status, and description.

Public records from municipal permit databases, dual-sourced for coverage.

Not all jurisdictions digitize records. Older permits may lack detail. Unpermitted work is not captured.

Used to verify structural modifications, confirm renovation history, and identify properties that may have undocumented changes.

Estimated rebuild cost using local labor rates, material costs, and construction characteristics. Accounts for property size, quality grade, and regional pricing.

Dollar amount with per-square-foot breakdown and regional cost index.

Industry-standard replacement cost databases with local market adjustments.

Does not include land value. Does not account for unique finishes, custom construction, or post-disaster demand surge.

Used to set dwelling coverage limits, verify insured values, and identify under- or over-insured properties.

A deeper wildfire profile than the basic Stage 1 grade: wildland-urban interface (WUI) zone, fuel and vegetation density, slope, and the modeled probability of a significant wildfire reaching the property.

A risk class and 0–10 score with a 12-month probability, alongside the A–F grade.

Available nationwide — and it matters most where wildfire does. Several carriers and high-wildfire states (California among them) expect an advanced wildfire assessment on file before binding in exposed areas, and Capto’s Carrier Mode surfaces it automatically whenever a carrier or state requires it.

Athena Intelligence advanced wildfire models.

Used to satisfy carrier and state wildfire requirements, document defensible-space considerations, and support binding decisions in WUI areas.

A deeper flood determination than the basic Stage 1 zone: FEMA 100-year and 500-year floodplain status with elevation context.

In/out flags for the 100- and 500-year zones plus an A–F grade.

FEMA National Flood Hazard Layer (NFHL), processed and graded by Capto.

Reflects mapped FEMA zones; localized conditions and recent map revisions may differ. Not an elevation certificate.

Used to confirm flood-zone exposure, decide whether an elevation certificate is needed, and document flood risk for the file.

Road-network distance from the property to the nearest responding fire station, plus the responding station and district.

Returned as a distance in miles with the responding station identified. Shorter distances generally support a better fire-protection class.

PropertyLens fire-station proximity data.

A proximity indicator, not an official ISO Public Protection Classification (PPC) rating.

Used as a quick protection-class signal and to corroborate wildfire and overall property risk before binding.

Our most in-depth report. High-resolution aerial imagery analyzed for roof age, material type, condition, and prior-damage indicators — the level of detail that decides a roof claim or a binding call, without sending a truck.

Roof age estimation, material classification, condition grade, and specific damage indicators if detected.

High-resolution aerial imagery analyzed by machine learning models.

Aerial view only. Does not assess interior roof structure. Accuracy depends on imagery recency. Does not replace a physical inspection.

Used to assess roof condition remotely, estimate remaining useful life, and determine whether a physical inspection is needed before binding.