PropRaven Insurance

PropRaven Insurance ships an underwriting-grade risk vector for every U.S. parcel — pre-joined to property attributes, ownership, and distress signals. It assembles every authoritative federal peril dataset (FEMA NRI, FEMA NFIP claim history, NOAA storm events, USGS seismic, CDC SVI, USFS wildfire) and exposes it on the canonical PropRaven parcel grain.

Replaces 3-4 vendor stacks with a single Snowflake share. Joinable to Parcel Intelligence and the Ontology Owner Graph for exposure aggregation across portfolios.

• 255.7M parcels with multi-peril risk vector
• 240M (94%) NRI-rated (hurricane / tornado / wildfire / earthquake / overall EAL)
• NFIP flood-claim history aggregated to tract
• NOAA Storm Events 30-year county history (count + property damage USD)
• FEMA Disaster Declaration counts by peril type
• USGS / ASCE7 seismic design parameters (SDC, Ss, S1, PGA)
• CDC Social Vulnerability Index (overall + 4 sub-themes)
• Composite climate risk label + tier
• Boolean PARCEL_HIGH_PERIL_FLAGS rollup for fast cohort filtering

Headline cohort sizes

• Carrier underwriting: score every quote against pre-computed peril ratings before binding.
• Reinsurance cat modeling: aggregate exposure by peril × geography × construction era.
• MGA / surplus-lines targeting: find the 71.9M high-wildfire parcels with replacement cost > $X for product launches.
• InsurTech parametric: build trigger-based products on pre-resolved NRI + NOAA peril counts.
• Non-renewal modeling: layer PARCEL_DISTRESS (financial-distress composite) for moral-hazard signal.

SELECT
  o.name_normalized AS owner,
  COUNT(*) AS parcel_count,
  SUM(IFF(f.high_peril_wildfire, 1, 0)) AS high_wildfire_parcels,
  SUM(IFF(f.high_peril_earthquake, 1, 0)) AS high_eq_parcels,
  SUM(IFF(f.in_sfha_flood_zone, 1, 0)) AS sfha_parcels
FROM PROPRAVEN_INSURANCE.INSURANCE.OWNER o
JOIN PROPRAVEN_INSURANCE.INSURANCE.EDGE_OWNER_PARCEL eop USING (prpv_owner_id)
JOIN PROPRAVEN_INSURANCE.INSURANCE.PARCEL_HIGH_PERIL_FLAGS f USING (prpv_parcel_id)
WHERE o.entity_type IN ('LLC', 'CORP', 'LP')
GROUP BY 1
HAVING parcel_count >= 50
ORDER BY high_wildfire_parcels DESC
LIMIT 25;