Hazard and exposure, read off one map
Underwriters, risk analysts, and adjusters live and die by where a property sits relative to flood, wildfire, and coastal hazard, yet the answers are scattered across federal map services, hazard PDFs, and a book of policies in a spreadsheet. Smart Site Plan puts FEMA NFHL flood zones, wildfire and coastal layers, and building and valuation attributes on one map, then lets you filter a whole portfolio by its own hazard codes with no-code Smart Query and export the exposed locations, and capture loss with geotagged field reports after an event.
Real Insurance work over Wilmington, NC, captured in the product
The old way
Rating one risk means flipping between a federal flood map service, a separate wildfire viewer, and an assessor portal, then hand-keying the zone, the construction class, and the year built into a rating worksheet. The portfolio accumulation question is worse: it lives in a spreadsheet of policies that no map ever sees, so nobody can point to where the insured value actually piles up, and after a hurricane or wildfire the loss data arrives as truck-roll paper diagrams and camera-roll photos that never line up with the policy address.
With Smart Site Plan
Score property hazard and portfolio exposure on a map
The data, already on the map
Drawn from 20 million open datasets, one click each. No agency portal hunting, no format wrangling.
Workflows
How Insurance work gets done
End to end, in the browser, on one map.
Underwrite a new property submission
- 1. Property data
Look up the risk address to capture building year, construction, square footage, valuation, and last-sale to fill the rating worksheet.
- 2. Open Data
Add FEMA NFHL flood zones with base flood elevations and NOAA surge zones scoped to the parcel, with USDA wildfire hazard potential as a landscape screening layer.
- 3. Measure
Measure the distance from the structure to the nearest NHD watercourse and the flood-zone boundary to support the flood rating.
- 4. Export
Export an HD PDF of the annotated hazard map (Personal and up) into the underwriting file for the binder.
Portfolio exposure review
- 1. Import
Import the book of insured locations from CSV or GeoPackage, each row already coded with its flood zone, surge band, and TIV, reprojected to WGS84 on the way in.
- 2. Smart Query
Filter on the policy attributes to select every location whose flood-zone code is a Special Flood Hazard Area or whose surge band is Category 1, then read the match count and export the exposed locations.
- 3. Style
Apply a color ramp on insured value so the largest exposures inside each hazard band read at a glance, overlaid on the FEMA and NOAA layers.
- 4. Share
Send the reinsurance broker and the cat committee a share link to the exposure map.
Post-event catastrophe claims sweep
- 1. Draw
Draw the event footprint, a wildfire perimeter or surge inundation line, and overlay the insured locations to see which clusters fall inside it.
- 2. Forms
Dispatch adjusters with a custom loss-assessment form they can complete offline at each damaged property.
- 3. Photos
Capture geotagged photos pinned to the exact structure so the claims desk sees verified damage at the policy coordinate.
- 4. Style
Color the insured locations inside the footprint by insured value so the desk examiner sees where the largest losses are likely.
What you can do
Rate a single risk against the real hazard layers
Drop FEMA NFHL flood zones with base flood elevations and NOAA storm-surge zones under the parcel to read which Special Flood Hazard Area a building sits in, with USDA wildfire hazard potential as a landscape screening layer for the surrounding terrain. Pull building year, construction, square footage, and valuation from a Property data lookup so the rating worksheet is filled from real records, not a guess.
Filter a hazard-coded portfolio with Smart Query
Import your book of insured locations already coded with each policy's flood zone, surge band, and TIV, then combine attribute rules in no-code Smart Query with AND and OR groups to select every location in a Special Flood Hazard Area or above a TIV threshold. Smart Query counts the matches and highlights them on the map, and you export or save the exposed locations as their own layer to total in your system.
Overlay the portfolio against the hazard footprint
Load your insured locations on top of the FEMA NFHL flood layer, the NOAA surge zones, or a wildfire perimeter you draw, and see at a glance which clusters of policies sit inside the danger area. Style the points by insured value so the heaviest concentrations read off the map, then measure the span of an exposed corridor or the distance from a structure to the flood-zone boundary.
Run catastrophe field assessment from the phone
Build a custom loss-assessment form once and have adjusters fill it in the field, even offline, with geotagged photos pinned to the exact damaged structure. Every report drops onto the same map as the policy location, so the claims desk sees verified loss tied to coordinates instead of a camera roll and a paper sketch.
The capabilities Insurance teams lean on
Flood, wildfire & surge layers
FEMA NFHL flood zones, USDA wildfire hazard potential, and NOAA coastal layers load straight onto the parcel so every rating is anchored to the real hazard, not a screenshot.
Portfolio filtering with Smart Query
Smart Query filters a hazard-coded book by flood zone, surge band, or TIV, combining those conditions with AND and OR groups, then counts the exposed locations and exports them for your accumulation total.
Adjuster field reports
Custom forms and geotagged photos let adjusters capture loss offline and pin it to the exact damaged structure for the claims desk.
Building & valuation lookups
Construction, year built, square footage, and valuation across 40+ fields fill the rating worksheet from recorded values, not an applicant's estimate.
In practice
An analyst sizes Galveston Bay exposure before renewal season
A catastrophe risk analyst imports the Galveston Bay book of 4,200 insured locations, each row already carrying its flood zone, NOAA surge band, and total insured value from the policy system. A Smart Query filters to the Category 1 surge band and the matches light up on the map; styled by insured value, the worst concentrations stand out against the NOAA storm-surge layer, and the matched locations are exported to total their TIV in the cat model before a share link goes to the reinsurance broker. When a named storm makes landfall three weeks later, the surge inundation line is drawn over the same points and adjusters go out with a custom loss form, and within a day the claims desk is reviewing geotagged damage photos pinned to each policy address.
What changes
- Rate a single risk against real FEMA flood and NOAA surge layers in one view, not a tab-hopping afternoon
- Pull every exposed location behind a hazard code onto one map and export the list, instead of eyeballing a spreadsheet
- Filter a whole hazard-coded book by flood zone, surge band, or TIV with one Smart Query
- Tie post-event loss to exact coordinates with geotagged adjuster reports, not a camera roll and a paper sketch
Insurance, answered
Yes, when your insured locations are imported already coded with each policy's flood zone, surge band, and hazard rating. From a CSV, GeoPackage, GeoJSON, or Shapefile, no-code Smart Query filters on those attributes to select the exposed locations behind each hazard code, counts them, and exports or saves them as a layer to total in your system. You can also overlay the points on the FEMA NFHL and NOAA layers to read the exposed clusters visually.
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