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Insurability Score by Underwrite.com
This home looks broadly insurable in the standard market. Key factors: wildfire risk: high and earthquake risk: high.
- Strong fire protection (PPC 2)
- Roof ~1 yrs old
- Wildfire risk: High
- Earthquake risk: High
- Pre-1950 home with no electrical-update permit on record — knob-and-tube wiring likely; verify
This Insurability Score is an estimate of insurance availability based on available property and regional data. It is not a guarantee of coverage, pricing, or eligibility. Final eligibility depends on carrier appetite, underwriting review, inspection, and claims history.
How is this calculated?Five perils. One clear picture.
We combine satellite imagery, physics-based modeling, and multi-vendor risk data to give you a complete view of your property's exposure - not just a single score from one provider.
Spread modeling, fuel conditions, defensible space
FEMA zones, elevation, historical inundation
Coastal exposure, hurricane paths, roof vulnerability
Fault proximity, soil liquefaction, structural risk
Slope analysis, soil type, precipitation triggers
Risk ratings are an indicator, not a substitute for a professional inspection or insurance quote.
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