Underwriting risk data for AI agents: flood, disaster, and environmental

Last updated: May 21, 2026

An AI agent underwriting property or casualty risk needs three different reads: how hazardous is this specific site, how often does this area get hit, and does this facility carry an environmental-compliance problem. LiveDataLink answers each with one call: location_risk_report for a site-bound hazard score, disaster_recovery_profile for an area's disaster history, and environmental_site_risk for a facility's EPA record. All three run over resale-safe US public data.

Score a single site

location_risk_report geocodes an address (or takes lat and lon) and fans out to FEMA flood zone, recent FEMA disaster declarations for the county, active National Weather Service alerts, USGS earthquakes within 50km, and EPA regulated facilities nearby. It returns an explainable 0-100 score that starts at 100 and subtracts itemized deductions, so the agent can show why a site scored what it did.

{
  "method": "tools/call",
  "params": {
    "name": "location_risk_report",
    "arguments": { "address": "1600 Pennsylvania Ave NW, Washington, DC" }
  }
}

Read the area's disaster history

Site hazard is not the same as track record. disaster_recovery_profile keys off a county or place name plus state and pulls FEMA's declaration history: the incident types, how often the area has been declared, the most recent event, and which federal-assistance programs were authorized. It bands the area LOW, MODERATE, or HIGH from that record.

{
  "method": "tools/call",
  "params": {
    "name": "disaster_recovery_profile",
    "arguments": { "area": "Harris", "state": "TX" }
  }
}

Check the facility's environmental record

For a named operator or site, environmental_site_risk drills into one facility's EPA record via ECHO and FRS: overall compliance status, per-statute program standing, formal enforcement actions and penalty totals, and significant-non-compliance flags. It returns a verdict band (NO ADVERSE EPA RECORD, REVIEW RECOMMENDED, CONTAMINATION-COMPLIANCE CONCERN, or NO FACILITY FOUND) with the evidence. This is an EPA public-record screen, useful for contamination-liability triage, not a Phase-I Environmental Site Assessment.

{
  "method": "tools/call",
  "params": {
    "name": "environmental_site_risk",
    "arguments": { "site": "Acme Plating Inc", "state": "OH" }
  }
}

How they fit an underwriting flow

Use location_risk_report to score the specific risk address, disaster_recovery_profile to add the county's disaster frequency as context, and environmental_site_risk when the risk is a commercial or industrial operator with potential contamination exposure. Each names its upstream source per finding, and a failing leg is noted rather than silently dropped, so the agent's read is auditable. These are analytical aids, not a substitute for a professional site assessment or a rating. See the packaged reads at /decisions and the insurance workflow at /for/insurance.

FAQ

What is the difference between the site score and the area profile?

location_risk_report scores one specific address or coordinate with a 0-100 hazard number. disaster_recovery_profile profiles a whole county or place by its FEMA declaration history. Use them together: the site score for the risk itself, the area profile for context.

Is this a flood insurance rating?

No. These are informational public-record synthesis, not an insurance rating, a property flood-risk score, or a professional risk assessment. Confirm critical inputs against the official record.

Is the underlying data resale-safe?

Yes. FEMA, EPA, USGS, and NWS records are US public data, which is resale-safe. See /trust for provenance.

Last updated: May 21, 2026 · LiveDataLink home