Composite multi-hazard natural-disaster risk score for a location API

Multi-hazard natural-disaster risk report for a lat/lon, the composite property-risk score an insurer or real-estate underwriter pays for. Composes keyless public data into per-hazard 0-100 scores plus one overall hazard score and verdict: EARTHQUAKE (historical M≥3 seismic density within 100km over ~30y plus the strongest event, from the USGS FDSN earthquake catalog), EXTREME_HEAT (frequency of days ≥35°C), HEAVY_PRECIP (frequency of days ≥50mm plus the wettest single day), EXTREME_COLD (frequency of days ≤-15°C) and HIGH_WIND (frequency of days ≥70km/h) from the Open-Meteo historical climate archive. Returns per-hazard scores and bands, an overall ACCEPTABLE/REVIEW/AVOID verdict, the dominant hazard, the driving facts, and a narrative; each upstream is fetched in parallel and a failed source marks its hazard 'unavailable' rather than failing the call. Answers 'How risky is this location for natural disasters?', 'What is the earthquake and climate hazard for this property?', 'Which natural hazard dominates here?', 'Is this site acceptable to underwrite or build on?'.

Price$0.2per request

MethodPOST

Route/v1/science/climate-hazard-risk

StatusLive

MIME typeapplication/json

Rate limit60/minute

Cache86400s public

sciencehazardnatural-disasterearthquakeclimateinsurancereal-estateriskseismicunderwriting

API URLhttps://x402.hexl.dev/v1/science/climate-hazard-risk

Integration docs

Example request

{
  "lat": 34.05,
  "lon": -118.24
}

Example response

{
  "location": {
    "lat": 34.05,
    "lon": -118.24
  },
  "overallHazardScore": 63,
  "verdict": "REVIEW",
  "dominantHazard": "extreme_heat",
  "hazards": [
    {
      "hazard": "earthquake",
      "score": 74,
      "band": "high",
      "detail": "574 M≥3 events within 100km in ~30y (19.1/yr), largest M5.4"
    },
    {
      "hazard": "extreme_heat",
      "score": 75,
      "band": "severe",
      "detail": "278 days ≥35°C over ~15y (18.5/yr)"
    },
    {
      "hazard": "heavy_precip",
      "score": 33,
      "band": "moderate",
      "detail": "16 days ≥50mm rain over ~15y (1.1/yr)"
    },
    {
      "hazard": "extreme_cold",
      "score": 0,
      "band": "low",
      "detail": "0 days ≤-15°C over ~15y (0.0/yr)"
    },
    {
      "hazard": "high_wind",
      "score": 0,
      "band": "low",
      "detail": "0 days ≥70km/h wind over ~15y (0.0/yr)"
    }
  ],
  "drivers": [
    "extreme_heat (75/100)",
    "earthquake (74/100)",
    "heavy_precip (33/100)"
  ],
  "facts": {
    "quakeCountM3": 574,
    "quakeMaxMag": 5.44,
    "climateYears": 15,
    "hotDays": 278,
    "heavyRainDays": 16,
    "maxDailyPrecipMm": 91.9,
    "coldDays": 0,
    "windyDays": 0
  },
  "narrative": "Moderate composite hazard (63/100); dominant hazard is extreme_heat. Notable: extreme_heat (75/100), earthquake (74/100), heavy_precip (33/100). Review before relying on it.",
  "disclaimer": "Best-effort multi-hazard screen built from public historical earthquake and climate data over a fixed lookback window and radius. Past frequency is not a forecast; this is NOT insurance, engineering, or siting advice and does not account for local building codes, soil, defences, or micro-topography."
}

Input schema

{
  "type": "object",
  "required": [
    "lat",
    "lon"
  ],
  "properties": {
    "lat": {
      "type": "number",
      "minimum": -90,
      "maximum": 90,
      "description": "Latitude of the location in decimal degrees."
    },
    "lon": {
      "type": "number",
      "minimum": -180,
      "maximum": 180,
      "description": "Longitude of the location in decimal degrees."
    }
  },
  "examples": [
    {
      "lat": 34.05,
      "lon": -118.24
    }
  ]
}

Output schema

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