Physical climate-risk score + EAL API

Physical climate-risk score (0-100, higher = riskier) plus canonical expected annual loss: EAL = assetValue x hazardExposure x vulnerability x (1 - adaptiveCapacity). Risk-score weights: hazardExposure .35, vulnerability .30, adaptiveCapacityWeakness .20 (inverted), assetCriticality .15. Returns risk score, risk bucket, A-F grade, EAL (absolute and % of value), and a driver breakdown. Answers 'what's the physical climate risk of this asset', 'expected annual loss from flood/heat hazard', 'score hazard exposure vs adaptive capacity'.

Price$0.016per request

MethodPOST

Route/v1/score/esg-physical-risk

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

esgphysical-riskclimateexpected-annual-losshazardresiliencescoreclimate-finance

API URLhttps://x402.hexl.dev/v1/score/esg-physical-risk

Integration docs

Example request

{
  "assetValue": 50000000,
  "hazardExposure": 0.4,
  "vulnerability": 0.5,
  "adaptiveCapacity": 0.6,
  "assetCriticality": 0.7
}

Example response

{
  "riskScore": 47.5,
  "rating": "moderate",
  "grade": "F",
  "expectedAnnualLoss": 4000000,
  "expectedAnnualLossPercent": 8,
  "breakdown": [
    {
      "factor": "hazardExposure",
      "value": 0.4,
      "weight": 0.35,
      "contribution": 14
    },
    {
      "factor": "vulnerability",
      "value": 0.5,
      "weight": 0.3,
      "contribution": 15
    },
    {
      "factor": "adaptiveCapacityWeakness",
      "value": 0.4,
      "weight": 0.2,
      "contribution": 8
    },
    {
      "factor": "assetCriticality",
      "value": 0.7,
      "weight": 0.15,
      "contribution": 10.5
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "assetValue",
    "hazardExposure",
    "vulnerability",
    "adaptiveCapacity",
    "assetCriticality"
  ],
  "properties": {
    "assetValue": {
      "type": "number",
      "description": "Asset value (any currency)",
      "examples": [
        50000000
      ]
    },
    "hazardExposure": {
      "type": "number",
      "description": "Acute+chronic hazard exposure 0-1",
      "examples": [
        0.4
      ]
    },
    "vulnerability": {
      "type": "number",
      "description": "Asset vulnerability 0-1",
      "examples": [
        0.5
      ]
    },
    "adaptiveCapacity": {
      "type": "number",
      "description": "Adaptive capacity 0-1",
      "examples": [
        0.6
      ]
    },
    "assetCriticality": {
      "type": "number",
      "description": "Asset criticality 0-1",
      "examples": [
        0.7
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}