Insurability Score
How the Insurability Score works
It estimates how likely a home is to be able to get homeowners insurance — a measure of availability, built from property and regional data with transparent, rules-based logic, so every result can be explained.
- Not a price
- Not a risk-of-loss rating
- Not an underwriting decision
Check any home’s insurability
Pick an address and we’ll estimate how easy it is to insure. No account, no login.
Four plain-language bands
We calculate a score and translate it into one of four bands. Select one to see what it means.
Moderate
Insurable, though it may take some shopping among carriers.
Likely path to coverage
Standard carriers, with some shopping around.
What we consider
We share the factors and where the data comes from. We don’t publish the exact weighting, which we tune over time.
Strongest driver
Catastrophe exposure
Wildfire, flood, wind/hail, earthquake and landslide risk at the property. A home in an extreme hazard area is treated as hard to insure regardless of its other qualities — because that’s how the market actually behaves.
- Wildfire
- Flood
- Wind / hail
- Earthquake
- Landslide
Next most important
Construction & roof
What the home is built of, and the roof’s material and age — the features carriers weigh most heavily after catastrophe risk.
Also considered
Location & fire protection
The area’s fire-protection rating (how close and capable fire response is) and its FEMA flood-zone designation.
Property condition & age
Year built, and signs of upkeep such as recent roof or system replacements recorded in building permits.
Replacement-cost fit
How the coverage amount compares with the estimated cost to rebuild, and whether the value falls outside standard-market appetite.
Occupancy & use
An owner-occupied primary home generally insures more easily than a rental or seasonal home.
Loss history
Recorded prior claims on the property, which carriers weigh in their decisions.
Carrier appetite
Observed willingness of insurers to quote similar homes, learned from real quote and declination outcomes.
Grows more influential over time
Where the data comes from
Every fact in a report shows its source. When sources disagree, we flag it rather than quietly picking one.
Hazard models
Wildfire, flood, wind/hail, earthquake and landslide ratings.
FEMA flood maps
Flood-zone designation for the property.
Public records
Year built, construction and living area.
Building permits
Roof replacements, additions and system upgrades.
Listing data
Property details from the MLS where available.
Carrier outcomes
Real quote and declination results for similar homes.
Confidence & missing data
Not every home has complete data. Rather than guess, each score comes with a confidence level based on how much information was available.
Missing data never counts in a home’s favor. It lowers confidence instead.
High confidence
Most property and hazard data available.
Moderate confidence
Some details missing, such as roof age.
Low confidence
Thin record - treat the band as a rough guide.
Insufficient data
Not enough to estimate responsibly, so we show no band.
Important
The Insurability Score is an estimate generated from available property, regional and hazard data, for informational purposes only. It is not an underwriting decision, an offer of insurance, a rate quote, or a guarantee of coverage, pricing or eligibility. Actual availability and terms depend on carrier appetite, underwriting review, property inspection, claims history and market conditions. For a binding determination, speak with a licensed insurance broker.
See where a home actually stands
Its insurability band and a full five-peril risk profile. No account required.