P&C Insurance · Underwriting · Claims

Underwrite every US address.
One call. No manual lookup.

GeoClear returns flood zone, wildfire hazard, climate composite, and census tract for any US address — the exact signals your underwriting engine needs, without a separate flood determination vendor.

See pricing →
GET /v1/address — response 
{
  "flood_zone": "AE",
  "flood_sfha": true,
  "flood_zone_desc": "Special Flood Hazard Area",
  "wildfire_class": "High",
  "disaster_score": 0.71,
  "climate_risk": {
    "composite": 0.68,
    "flood":     0.82,
    "wildfire": 0.71,
    "storm":    0.44
  },
  "census_tract":  "060372601",
  "county_fips":   "06037"
}
🌊
Flood zone — NFIP compliant

FEMA NFHL flood zone determination. AE, X, VE zones returned with SFHA flag. Meets NFIP disclosure requirements on every policy.

🌐
Climate composite — 5 federal sources

Weighted score across flood (30%), wildfire (25%), storm (20%), seismic (15%), drought (10%). All 3,221 US counties.

🔥
Wildfire hazard class

CAL FIRE + USFS hazard severity. Returns Very Low through Very High for every addressable parcel in fire-prone states.

How it works

How it replaces your current workflow

Stop stitching together flood certs, wildfire maps, and manual lookups. One call returns everything your underwriting engine needs.

✕ Without GeoClear
  • — Order a separate flood determination cert for each address ($12–$18/address)
  • — Wait 1–3 business days for flood cert delivery on standard orders
  • — Manually cross-reference wildfire hazard maps — no API, no programmatic access
  • — No composite risk score — flood, wildfire, and storm data live in separate silos
  • — No API integration for your underwriting automation pipeline
  • — Census tract and county FIPS require a separate geocoding call
✓ With GeoClear
  • ✓ One API call returns flood zone, wildfire class, climate composite, and census tract
  • ✓ Under 5ms server-side response — no waiting, no batch jobs, no queues
  • ✓ Flood + wildfire + storm + seismic + drought in a single normalized JSON payload
  • ✓ Audit-ready: SFHA flag, zone code, and zone description in every response
  • ✓ REST API — plug directly into your underwriting engine or claims workflow
  • ✓ Free tier for development — 10,000 lookups/month, no credit card required
Integration

One curl. Everything you need.

Drop it into your underwriting pipeline. Same response shape on every call. No SDK required.

Request
# Underwrite a Miami Beach address
curl "https://geoclear.io/v1/address?street=123+Ocean+Dr&city=Miami&state=FL&key=YOUR_KEY"
Response — insurance fields
{
  "flood_zone":      "AE",
  "flood_sfha":      true,
  "flood_zone_desc": "Special Flood Hazard Area",
  "wildfire_class":  "High",
  "disaster_score":  0.71,
  "climate_risk": {
    "composite": 0.68,
    "flood":     0.82,
    "wildfire": 0.71,
    "storm":    0.44
  },
  "census_tract":  "060372601",
  "county_fips":   "06037"
}

Start underwriting smarter today

10,000 free lookups per month. All enrichment fields included. No credit card. Instant delivery.

Compliance details →