What You'll Learn in This Guide
1. What is a Property Report?
Neural Earth Property Reports help you quickly understand the risk, value, and resilience of any property based in the United States. Each report combines AI-powered risk analysis with public and proprietary data to assess structural details, ownership, and exposure to key perils like flood, wildfire, hurricane, tornadoes and earthquake.
With visual charts, key risk metrics, tailored risk mitigation suggestions, and a simple RiskRank score, these reports support smarter underwriting, faster appraisals, and stronger communication with investors, clients and carriers.
2. Using the Report Effectively
Each component of the Neural Earth Property Report is designed to work together:
RiskRank delivers a unified 1–10 score that helps users prioritize, compare, and respond to complex risks.
Estimated Total Insurable Value provides an estimated combined value of the property structure and its contents for insurance and risk assessment purposes.
Individual Peril Scores and Charts reveal historical trends, event intensity, and regional hazard patterns.
Property Details summarize key characteristics like building size, lot size, construction year, materials, and ownership—helping contextualize risk factors and valuation.
Mitigation Strategies are aligned with exposure levels and property characteristics.
💡Pro Tip: Use this report to communicate risk clearly to clients, carriers, underwriters, or investors — and justify decisions with data-backed insights.
3. Property Summary & RiskRank Score
At the top of each report is a high-level risk overview summarizing the property’s overall RiskRank and key exposures.
Neural Earth uses ML and NLP to analyze environmental, geospatial, and structural factors, assigning risk scores for multiple perils (e.g., hurricane, wildfire, flood). This summary also includes recommended mitigation and maintenance strategies tailored to each location’s risk profile.
Key Property Summary Elements:
Property RiskRank: Composite score (0–10) representing cumulative peril exposure
Top Peril Scores: Individual scores for major threats such as hurricane, earthquake, wildfire, or flood
Mitigation Strategies: AI-suggested improvements to reduce loss potential and enhance resilience
RiskRank: RiskRank is Neural Earth's proprietary algorithm that scores risk across a 5-tier categorical scale, ranging from 0 to 10. Neural Earth classifies scores above 2 as potentially “risky” for reporting and analysis purposes. To learn more about how Neural Earth calculates the RiskRank score visit 'What Is RiskRank?' here.
Neural Earth are uses the following color-coded bands on the risk map to visually display risk:
Score Range | Risk Level | Color Indicator |
8–10 | Very High Risk | Dark Red |
6–8 | High Risk | Red |
4–6 | Moderate Risk | Orange |
2–4 | Low Risk | Yellow |
0–2 | Very Low Risk | Green |
No Data | N/A | Grey Hatch |
4. Estimated Total Insurable Value (TIV)
In every property report, Neural Earth provides an Estimated Total Insurable Value (TIV) — the combined value of the structure and its contents, used for insurance and risk assessment purposes. This value is calculated automatically but can be manually edited when needed to reflect more accurate or up-to-date information.
TIV values are shortened and rounded for clarity, using formats like $0, $1k, or $1.99M, with up to two decimal places shown when needed. If land use is unknown, only the property value is shown and content value is marked as unavailable. If the property value is missing, TIV cannot be estimated and is labeled as unknown.
User edits ensure your reports reflect your most accurate understanding of a property, directly impacting a property's Estimated Total Insurable Value (TIV). To learn how to edit TIV values directly within a property report, refer to our Managing and Editing Property Details & TIV Guide.
The TIV formula varies based on the property's land use classification:
Land Use Classification | Formula | Example (Property Value = $1.5M) |
Residential |
| $2.25M |
Commercial |
| $2.62M |
Industrial |
| $3.75M |
Agricultural / Farming |
| $3M |
Government / Public Works |
| $3.37M |
Vacant Land |
| $1.5M |
5. Property Details
In Neural Earth, property details are not static — users can actively manage and edit this information to ensure accuracy and completeness. By allowing updates to individual data points (such as roof type, year built, or construction material), Neural Earth empowers organizations to maintain high-quality records for underwriting, risk evaluation, and portfolio analysis.
This flexibility is especially important because property data sourced from third-party datasets can sometimes be incomplete or outdated. User edits ensure your reports reflect your most accurate understanding of a property and directly impacts the property's RiskRank score.
The property details table within a property report contains granular details about the property — from location identifiers to construction materials — organized into four key categories:
1. Property Identification
Includes administrative and geospatial identifiers used in public records:
Address, City, State, ZIP
Unit Number and Type
Parcel Number (APN)
FIPS Code
Census Tract
Jurisdiction and County
Year Built
2. Physical Characteristics
Describes the structure and lot, including:
Lot Size (sq ft/acres), Building Area
Number of Units, Stories, Bedrooms, Bathrooms
Construction Material, Heating System
Garage, Deck, Patio, Porch
Roof Type, Roof Structure, Roof Material, Roof Size
HVAC, Fire Sprinklers, Fireplaces, Attic, Basement
Mobile Home Status, Pool, Water/Sewage Source
3. Assessed & Market Value
Captures valuation metrics from public assessments and market models:
Assessed Value (Total, Land, Improvements)
Market Value Estimates
MLS Listing & Sale History
Price per Square Foot
Tax Exemption Status
Sale/Transfer Dates
4. Ownership
Provides ownership details and transaction data:
Primary Owner
Buyer and Seller Names
Company (if owned by an entity)
Note: To learn how to edit property details, view change history, and manage these records efficiently, click here to read our Managing and Editing Property Details & TIV guide.
7. Roof Top Analytics
The Roof Top Analysis section displays three key data points—materials, structure, and surface—supported by satellite roof imagery and AI-powered classification overlays that generate confidence scores for each roof characteristic. This section is designed to help you quickly assess roof composition, size, and exposure, with confidence scores indicating model certainty.
Key analytics include:
Confidence scores: Indicates our model’s certainty in its roof classification results, helping you assess the reliability of each detected roof top characteristic.
Roof material: Identifies the detected material (e.g., asphalt shingles, clay tile) with a confidence percentage.
Roof structure: Specifies the roof type (e.g., gable, steel frame) with an associated confidence score.
Roof size (sq ft): Estimates the roof area based on imagery and property geometry.
6. Risk Charts & Graphs
Neural Earth includes a variety of interactive data visualizations that contextualize a property’s exposure to environmental hazards. These charts are peril-specific and location-centric, pulling from decades of public and proprietary data to support decision-making.
Hurricane Risk Statistics
Each property report includes key hurricane exposure statistics based on historical data. These metrics provide a quantitative baseline for understanding the property's historical hurricane exposure and severity profile:
Annual Hurricane Event Frequency (within a 250-mile radius):
Average number of hurricanes passing within a 250-mile radius of the property each year.
Annual Hurricane Events with Likely Direct Impact:
Average number of hurricanes per year that are expected to directly impact the property.
Average Strength of Direct Impact Hurricanes:
The average hurricane intensity (on the Saffir–Simpson scale) for storms likely to directly impact the property.
Hurricane Risk Visualizations
Storm Track Map:
This map displays the historical paths of hurricanes that have passed within a 250-mile radius of the property.
Each storm track is color-coded by category on the Saffir–Simpson hurricane wind scale, with darker colors indicating stronger storms.
The red marker pinpoints the property's exact location.
Hurricanes with Likely Direct Impact:
This time series plot visualizes hurricanes that likely made direct impact on the property from 1850 to present.
Each dot represents a single hurricane, plotted by year (x-axis) and storm category (y-axis) using the Saffir–Simpson scale.
Each dot is sized and color-coded by storm intensity. Hovering reveals the storm’s name, year, and category.
Hurricanes within 250 miles:
This time series plot visualizes hurricanes that came within a 250-mile radius of the property from 1850 to present.
Each dot represents a single hurricane, plotted by year (x-axis) and storm category (y-axis) using the Saffir–Simpson scale.
Each dot is sized and color-coded by storm intensity. Hovering reveals the storm’s name, year, and category.
Wildfire Risk Statistics
Neural Earth Property Reports provide wildfire exposure metrics to quantify regional fire activity. These figures help assess the broader wildfire environment, even if the property itself is at low direct risk:
Annual Wildfire Event Frequency (within 100 miles):
The average number of wildfire events occurring each year within the property's census tract.
Average Cumulative Burned Area per Year:
The average area impacted by wildfire each year that are within 100-miles of the property.
Wildfire Risk Visualization
Cumulative Burned Area by Year (100-Mile Radius):
This 40-year time series bar chart displays the total acreage burned by wildfires each year within a 100-mile radius of the property.
Each bar represents one calendar year, with height indicating the cumulative burned area (in acres).
Flood Risk Statistics
Neural Earth Property Reports include flood exposure metrics to assess proximity and vulnerability to flood zones. These metrics help quantify both flood likelihood and severity risk based on proximity, elevation, and FEMA mapping standards:
Annual Flood Event Frequency:
Estimated number of flood events occurring at the property each year.
Higher values indicate greater risk.
Nearest Flood Zone Distance:
Straight line distance from the property to the nearest designated flood zone.
Shorter distances mean higher exposure.
A negative value indicates the property lies within the flood zone.
Flood Category (FEMA Classification):
The FEMA flood zone classification closest to the property (e.g., AH, AE, VE) that describes the severity or probability of flooding in the area.
Elevation Difference:
The height difference (in feet) between the property's ground elevation and the nearest flood zone's base elevation.
A negative values indicates the property is lower and at a greater risk.
Flood Risk Visualization
100-Year Floodplain Map:
This map displays the FEMA-defined 100-year floodplain within a 5-mile radius, includes the straight line distance to the nearest flood zone and highlights the property's relative position to nearby flood zones.
Flood zones are shaded in blue, and the property is marked with a red pin to identify whether the property lies within or near high-risk flood areas.
The orange pin marks the nearest flood zone, clicking on this pin reveals the estimated miles and elevation difference from the property.
Earthquake Risk Statistics
Neural Earth Property Reports provide earthquake exposure metrics to evaluate seismic stability. These indicators help users assess the likelihood of significant seismic activity near the property and the potential need for structural mitigation:
Annual Earthquake Event Frequency (within 50 miles):
Average number of earthquake events occurring each year within a 50-mile radius of the property.
Distance to Nearest Magnitude 5.0+ Earthquake:
Distance to the closest recorded earthquake of magnitude 5.0 or greater.
(If no event is recorded, the property is in a seismically stable zone.)
Earthquake Risk Visualizations
Earthquakes within a 50-mile radius:
This radial distance chart visualizes the location and magnitude of historical earthquakes within 50 miles of the property.
The central green star marks the property location.
Each point represents an individual seismic event, positioned by direction and distance from the property.
Points are color-coded by magnitude, using a gradient scale from 2.0 to 6.0. Hovering reveals the earthquake's magnitude, date, and estimated distance from the property.
Timeline of Earthquakes within a 50 mile radius:
This time series chart visualizes the historical 50-year record of earthquakes occurring within 50 miles of the property.
Each dot represents a seismic event, plotted by year (x-axis) and magnitude (y-axis).
Events are color-coded by intensity using a gradient scale from magnitude 2.0 to 6.0. Hovering reveals the earthquake's magnitude, date, and estimated distance from the property.
Tornado Risk Statistics
Neural Earth Property Reports provide tornado exposure metrics to help assess the likelihood, intensity, and potential impact of tornadoes in the surrounding area. These indicators offer insight into historical tornado activity, structural risk, and damage potential based on decades of recorded events.
Tornado Frequency:
Estimates the average number of tornado events per year within a 50-mile radius of the property, based on historical storm tracking data.
Average Property Damage per Tornado:
Measures the average estimated property damage caused by individual tornadoes in the region, using nominal dollar values from recorded events.
Average Annual Property Loss:
Aggregates total tornado-related property losses per year in the surrounding area, providing a broader view of financial exposure.
Average Injuries and Fatalities:
Indicates the average number of tornado-related injuries and fatalities reported annually in the region, helping to quantify human impact.
Tornado Risk Visualizations
Tornado Events per Year (25-Mile Radius):
A stacked bar chart that displays the number of tornadoes recorded each year within a 25-mile radius of the property that helps identify active tornado periods and severity distribution over time.
Each bar is color-coded by tornado intensity based on the Fujita Scale (F0–F4).
Probability of Occurrence by Intensity
A data table that provides a breakdown of tornado intensity probabilities by summarizing the average annual frequency of tornadoes within a 50-mile radius, segmented by Enhanced Fujita (EF) Scale thresholds.
Each row reflects how often tornadoes of a specific minimum intensity (e.g., EF1+, EF2+) occur per year.
Tornado Severity Timeline (50-Mile Radius)
A dual-line chart that visualizes trends in tornado severity over time and identify outlier years by tracking the annual intensity of tornadoes within a 50-mile radius of the property using the Enhanced Fujita (EF) Scale.
Annual Tornado Property Loss (25-Mile Radius)
A bar chart that provides financial context to tornado exposure and highlights peak loss years by showing annual tornado-related property losses (in nominal dollars) within a 25-mile radius of the property.
Hail Risk Statistics
Neural Earth Property Reports include hail-specific analytics to quantify how often hail occurs near a property and the typical financial impact of those events. These metrics and visualizations help users understand both event frequency and potential loss severity.
Annual Hail Event Frequency (within 25 miles):
Average number of hail events per year within a 25-mile radius of the property, based on historical storm reports from January 1950 to February 2025.
Higher values indicate a location with more frequent hail activity.
Average Property Damage per Hail Event (within 25 miles):
Estimated average property loss per hail event (in nominal dollars, not adjusted for inflation) within a 25-mile radius of the property.
Calculated using historical hail loss data from January 1950 to February 2025.
Average Annual Hail-Related Property Loss (within 25 miles):
Estimated total property loss per year (in nominal dollars, not adjusted for inflation) from hail events within a 25-mile radius of the property.
Aggregates all recorded hail losses in the surrounding area for each year.
Hail Risk Visualizations
Hail Events by Year (25-Mile Radius):
A time series bar chart that displays the total number of hail events recorded each year within a 25-mile radius of the property.
X-axis: Calendar years (1980–2024).
Y-axis: Number of hail events per year.
Bars are segmented by hail size category, helping users see whether smaller or larger hail events are more common in the area.
Average and Maximum Hail Size by Year (25-Mile Radius):
A dual-line time series chart that shows trends in hailstone size near the property. This chart helps users quickly identify years with unusually large hail and long-term trends in hail severity.
X-axis: Calendar years (2012–2024).
Y-axis: Hail size in inches.
Orange line: Average hail size per year within 25 miles.
Dark red line: Maximum hail size recorded in any event for that year.
Annual Hail-Related Property Loss (25-Mile Radius):
A bar chart that visualizes yearly hail-related property losses around the property in nominal dollars.
Each bar represents the total estimated property damage from hail within 25 miles for a given year.
Taller bars indicate years with more severe or more frequent damaging hail events.
Need Help?
If you have questions or need help interpreting a specific property report, feel free to reach out to our support team.