Methodology
How The HealthIntel Is Computed.
The HealthIntel is a 0–100 composite across three peril modules, with an A–F grade and a risk tier. It uses public risk data, satellite imagery, and homeowner-submitted photos. Inputs and weights are published here so the math is auditable.
Module weights
Composite = 0.4·Fire + 0.3·Storm + 0.2·Roof + 0.1·Water
Those are the base weights. Two things adjust them on a real assessment. A module that was not scored drops out and the remaining weights are renormalized over what is left, so a walk covering fire, storm and roof is graded on those three rather than marked down for the module it never had. And a module carrying thin photo evidence has its weight reduced in proportion to our confidence in it, so a lightly evidenced read nudges your composite instead of driving it.
FireIntel
40%
Active
Wildfire exposure × defensible-space evaluation × home-hardening score. Active today.
StormIntel
30%
Active
Wind and hail exposure × hail history × roof covering impact class (UL 2218 / FM 4473) × IBHS FORTIFIED indicators × gutters, siding, windows and documented interior damage. Active today.
RoofIntel
20%
Active
Roof age × material × cover layers × storm exposure × visible repair signals. Active today.
WaterIntel
10%
Not scored yet
Foundation grading × downspouts × supply lines × hose bibs × FEMA flood-zone designation. Built and in testing, and not part of any score today. Where a module is not scored your report reads Not scored, never a placeholder number.
Scoring bands
Score → Grade → Risk Tier
| Score | Grade | Tier |
|---|---|---|
| 85–98 | A | Low |
| 70–84 | B | Moderate |
| 55–69 | C | Moderate |
| 40–54 | D | High |
| 0–39 | F | Severe |
98 is the top of the scale, not a rounded-down 100. The gap is deliberate: this report documents the condition visible on the day of the walk, and no rubric can call a house finished. No composite or module score we publish will read 99 or 100.
Data sources
Public Data + Your Photos. Nothing Black-Box.
FEMA NRI
FEMA National Risk Index
Per-peril expected annual loss, social vulnerability, community resilience. This is our live wildfire exposure source.
NFPA Firewise
NFPA Firewise USA Home Ignition Zones
Defensible-space framework: Immediate (0–5 ft), Intermediate (5–30 ft), Extended (30–100 ft) zones.
IBHS WPH
IBHS Wildfire Prepared Home
Home-hardening Base and Plus checklist items: roof, vents, 0–5 ft noncombustible zone, eaves, siding.
Satellite Imagery
High-resolution overhead imagery
Property footprint, defensible-space zones (0–5 / 5–30 / 30–100 ft), canopy coverage.
Plant Vision Model
Species identification with flammability classification
Per-plant flammability from Texas A&M Forest Service, USDA Forest Service FEIS, and the Lady Bird Johnson Wildflower Center.
Homeowner Photos
EXIF-preserved walk-around photos
Time-stamped, geotagged photos, exported in the NGDS data schema.
Evidence bundle
Organized The Way Insurance Reviewers Read Evidence.
Every report ships as two files: a polished PDF you can read on your phone, and a structured data file in a format insurance reviewers already understand. Each photo is tamper-evident, so anyone reviewing the report can verify the images match what we scored. Future digital signing (for stronger authenticity verification) lands in a later phase. You own both files. What you share, when you share, is your call.
Technical:NGDS JSON · SHA-256 photo hashing · C2PA + PAdES-LTV PDF signing in a later phase.
What the HealthIntel is not
The HealthIntel is informational. It is not an inspection, appraisal, engineering report, or guarantee of any underwriting outcome. For decisions of consequence, retain a licensed professional. See our disclosures page.
