For insurance underwriters & reinsurance brokers

Property Catastrophe Risk.
Quantified. Per Address.

RiskAI X gives property & casualty insurers a unified REST API for AAL estimates, return-period losses, seismic fragility curves, wildfire and flood risk — across 16 markets in Eastern Europe and the Mediterranean. In under 3 seconds per address.

Request pilot API access → API documentation
5
Peril types covered
16
Markets
<3s
Full risk profile latency
99.9%
Uptime SLA available
Coverage

Five Perils. One API.

🔴
Seismic Risk (EQ)
AAL + return-period losses using GEM OpenQuake fragility curves. Rs I–IV classification (Romania), EAK zones (Greece), NCSE-02 (Spain), INGV Zona 1–4 (Italy), TBDY 2018 (Turkey). Building type + construction year inference from cadastral APIs.
RO · GR · TR · IT · ES · BG · HR · RS
🌊
Flood Risk (FL)
Copernicus EFAS return-period exceedance probabilities. JRC Global Surface Water 1984–2021 historical inundation. SNCZI Spain, IMGW Poland, SNIRH Portugal. T10/T100/T500 flood zone classifications per address.
All 16 markets
🔥
Wildfire Risk (FF)
EFFIS (European Forest Fire Information System) Copernicus. Fire danger rating, burned area history 1984–present, vegetation type, distance to forest. Historical fire events within 10km radius.
GR · PT · ES · IT · IL
🏛️
Building Vulnerability
Year-of-construction from official cadastral APIs (ANCPI/Catastro/CUZK/BEV). Inferred structural type (precast panel, URM, RC frame). Code compliance level (pre-code through high-code). Heritage listing flag.
RO · GR · ES · IT · CZ · PT · AT
📊
Composite Risk Score
Weighted composite of all perils into a single 0–100 insurance risk score with underwriting notes. Hard flags: Rs I, cadastral unregistered, extreme wildfire zone. Recommended premium loading output.
All 16 markets
🇪🇺
EU BRP Compliance
Building Renovation Passport (EPBD 2026 mandate) readiness check. EPC class estimate, renovation cost projection, Sismabonus/PNRR subsidy eligibility. Required for EU mortgage + insurance from May 2026.
EU member states
API

Insurance Risk in One Call

Send an address and replacement value. Get AAL, return-period losses and underwriting notes in under 3 seconds.

Request
POST /api/v2/insurance-risk
X-API-Key: rx_ins_...

{
"address": "Calea Victoriei 95, Bucharest",
"country": "ro",
"replacement_value_eur": 250000,
"sqm": 90,
"year_built": 1968
}
Response
{
"aal_rate_pct": 2.4,
"aal_eur_annual": 6000,
"risk_class": "HIGH",
"recommended_premium_eur": 9000,
"rp_losses_eur": {
"rp100": 45000,
"rp475": 120000,
"rp2475": 230000
},
"underwriting_notes": [
"Pre-1970s — pre_code compliance",
"Rs classification check required"
]
}
Pricing

Insurance-Specific API Plans

Actuarial Starter
€1.00
Per API call · min €1,000/month
  • ✓ Insurance risk endpoint
  • ✓ AAL + return periods
  • ✓ Up to 1,000 calls/day
  • ✓ Email support
  • ✗ Wildfire peril
  • ✗ Portfolio bulk
Underwriting Pro
€0.50
Per API call · min €3,000/month · Most popular
  • ✓ All 5 perils
  • ✓ AAL + RP + wildfire + flood
  • ✓ BRP compliance check
  • ✓ 5,000 calls/day
  • ✓ Slack support
  • ✓ Portfolio bulk endpoint
Reinsurance Enterprise
Custom
Volume pricing · dedicated SLA contract
  • ✓ All endpoints
  • ✓ Dedicated infrastructure
  • ✓ 99.95% SLA
  • ✓ Custom data feeds
  • ✓ White-label API available
  • ✓ Account manager

90-day pilot program available for qualified P&C insurers and reinsurance brokers. Contact: [email protected]

Target clients

Designed for P&C Teams Across the Region

Allianz Romania
Groupama
ERGO Romania
Euroins
Interamerican Greece
Generali Italy
AXA Spain
Mutualia
Reinsurance brokers

RiskAI X is not yet officially integrated with any of the above — these represent our target market. If you work at one of these companies, we would love to hear from you.

Request Pilot API Access

90-day free pilot for qualified institutions. Response within 2 business days.