Terra for business: hazard and climate scores for any coordinate on Earth, by API.

Send a latitude and longitude, or a thousand of them. Get back a 0–100 score for each of ten natural hazards, for today and for 2050 and 2085 under three climate paths, with the measurement behind each score, a written brief, and the source of every number.

What it is for

Comparing sites, screening locations, giving customers context about a destination, and editorial use.

What it is not for

It is not a catastrophe model, and it may not be used for insurance rating, underwriting, eligibility or claims, for credit decisions, or for any decision about an individual or a specific property.

Terra scores ~10 km hexagonal cells from public global datasets — it is area analysis, not a property assessment. Tornado history covers the United States only; flood hazard is modeled at ~1 km and ignores local defenses; hurricane records before 1966 and wildfire records before 2001 are incomplete. Where data is missing or coarse for your area, Terra says so instead of guessing.

How it works

• A keyed REST API: score, brief, compare and batch, the same scores the globe shows.
• A point is one location scored. Plans are metered in points a month, with no overage charges: a plan stops at its limit.
• Scores change when the public datasets are rebuilt, about once a year. Every response names the data vintage it came from.

To start

Write to hello@svrgninc.com with what you want to score and roughly how many points a month. We send a key, the documentation and the terms the same day.