Score US property catastrophe risk.

REST API · MCP server · embeddable widget. Free tier with no credit card.

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No credit card. 50 lookups/day on the free plan. Use as Authorization: Bearer YOUR_API_KEY.

Quick Start

Endpoint


            GET https://app.perilscore.com/api/v1/score/?address=...

curl

curl "https://app.perilscore.com/api/v1/score/?address=123+Main+St,+Miami+FL+33101" \
  -H "Authorization: Bearer YOUR_API_KEY"

Python

import requests

response = requests.get(
    "https://app.perilscore.com/api/v1/score/",
    params={"address": "123 Main St, Miami FL 33101"},
    headers={"Authorization": "Bearer YOUR_API_KEY"},
)
data = response.json()
print(data["overall_score"], data["overall_risk_label"])

JavaScript

const res = await fetch(
  "https://app.perilscore.com/api/v1/score/?address=123+Main+St,+Miami+FL+33101",
  { headers: { Authorization: "Bearer YOUR_API_KEY" } }
);
const data = await res.json();
console.log(data.overall_score, data.overall_risk_label);

Response Schema

{
  "formatted_address": "123 Main Street, Miami, FL 33139",
  "overall_score": null,
  "overall_risk_label": null,
  "overall_score_locked": true,
  "perils": [
    {
      "peril": "hurricane",
      "peril_name": "Hurricane",
      "numeric_score": 8.5,
      "risk_label": "Very High",
      "factors": { "dist_coast_km": 2.1, "storm_count": 14, "max_category": 5 }
    }
  ],
  "fire_station": {
    "name": "Miami Fire Station #1",
    "distance_miles": 0.8
  },
  "fire_protection_score": 2,
  "public_id": "P-A1B2C3D4E5F6",
  "report_url": "https://app.perilscore.com/r/P-A1B2C3D4E5F6/?utm_source=api",
  "tier": "free"
}

Includes all 6 perils: hurricane, wildfire, hail, flood, earthquake, tornado. fire_protection_score is a proprietary 1-10 score based on driving distance, drive time, and fire station characteristics; lower is better.

{
  "formatted_address": "123 Main Street, Miami, FL 33139",
  "overall_score": 7.2,
  "overall_risk_band": "HIGH",
  "overall_risk_label": "High",
  "overall_score_status": "complete",
  "overall_score_locked": false,
  "perils": ["...same as free tier..."],
  "fire_station": { "..." },
  "report_url": "...",
  "property_data": {
    "year_built": 1998,
    "construction_type": "Wood Frame",
    "roof_surface": "Asphalt Shingles",
    "square_footage": 2500,
    "bedrooms": 4,
    "bathrooms": 2.5,
    "market_value": 465000,
    "last_sale_date": "2020-05-15",
    "last_sale_price": 420000
  },
  "cope": {
    "construction_class_name": "Frame",
    "num_stories": 2,
    "occupancy_type": "Single Family",
    "occupancy_risk_tags": null,
    "occupancy_vacancy_flag": false,
    "protection_label": "Good",
    "protection_score": 2,
    "fire_protection_score": 2
  },
  "ai_summary": "This wood frame home near Miami faces significant hurricane risk...",
  "tier": "premium"
}

Premium responses require a paid plan. Property data sourced from Smarty. COPE fields derived from property + fire station data.

Works without a key – 50 free lookups/day. Add your API key for higher limits and premium data.

Generate your free API key

Same key as the REST API. Adds higher limits for MCP requests and unlocks premium data.

Generate key →

Setup Instructions

Add PerilScore as a connector in Claude.ai or the Claude Desktop app – no config files needed.

1 Open Claude.ai or the Claude Desktop app → Settings → Connectors
2 Click "Add custom connector"
3 Enter name PerilScore and URL: https://app.perilscore.com/api/mcp/

Works with Claude Pro, Max, Team, and Enterprise plans. To use your API key, add an authorization header after connecting: Bearer YOUR_API_KEY

Add this to your Claude Code CLI config (~/.claude.json):

{
  "mcpServers": {
    "perilscore": {
      "type": "streamableHttp",
      "url": "https://app.perilscore.com/api/mcp/",
      "headers": {
        "Authorization": "Bearer YOUR_API_KEY"
      }
    }
  }
}

File location: ~/.claude.json (global) or .claude/settings.json (per-project)

Add to your .cursor/mcp.json or VS Code MCP settings:

{
  "mcpServers": {
    "perilscore": {
      "type": "streamableHttp",
      "url": "https://app.perilscore.com/api/mcp/",
      "headers": {
        "Authorization": "Bearer YOUR_API_KEY"
      }
    }
  }
}

PerilScore uses Streamable HTTP transport (JSON-RPC 2.0 over HTTP POST).

Server URL


              https://app.perilscore.com/api/mcp/

Transport


              Streamable HTTP (Content-Type: application/json)

Authentication (optional)


              Authorization: Bearer YOUR_API_KEY

Test with curl

curl -X POST https://app.perilscore.com/api/mcp/ \
  -H "Content-Type: application/json" \
  -d '{"jsonrpc":"2.0","id":1,"method":"initialize","params":{"protocolVersion":"2025-03-26","capabilities":{}}}'

Available Tool

get_property_catastrophe_risk_scores

Look up catastrophe risk scores for any US property address. Returns Overall Property Score when unlocked, per-peril scores (hurricane, wildfire, hail, flood, earthquake, tornado), risk factors, fire station proximity, and the Fire Protection Score.

Input: address (string, required) – full street address including city, state, and ZIP

fire_protection_score (integer 1-10, nullable) is a proprietary score based on driving distance, drive time, and fire station characteristics. Lower values indicate stronger fire protection.

Generate your free embed key

Publishable key with domain allowlisting. Free tier includes attribution. Paid tiers remove branding.

Generate key →

Live Demo

Enter any US address to see the widget your users will see.

Embed Snippet

Two lines of HTML. Replace the address with any variable in your app.

<iframe
  src="https://app.perilscore.com/widget/v1/render/?address=YOUR_ADDRESS&key=YOUR_KEY"
  width="100%"
  height="520"
  frameborder="0"
  loading="lazy"
  style="border-radius: 12px;"
></iframe>

React / Next.js

{`...?address=${encodeURIComponent(address)}&key=YOUR_KEY`}

Django template

{{ address|urlencode }}

Plain HTML + JS

iframe.src = `...?address=${encodeURIComponent(addr)}`

Already have a client who uses PerilScore? They can share their embed key from their Developer Dashboard – their plan applies, no extra cost to you.