Climate risk analytics - Cotality developer portal

Data capabilities:

Dataset	Key metrics	Use cases
Age of roof	Estimated roof age (years), modeled construction year, confidence rank (statistical estimate — not a county record)	Insurance underwriting, hazard policy pricing, roof replacement planning
Climate risk	Peril-specific risk scores for wildfire, flood, hurricane/wind, hail, and earthquake — indexed by return period (50-year, 100-year, 200-year)	Multi-peril exposure modeling, portfolio risk concentration, compliance reporting, reinsurance pricing

Data scope:

Attribute	Value
Input	One or more CLIP identifiers (numeric string) — use CLIP tools to resolve an address to a CLIP first
Output	Response envelope — `success`, `data` (property array with AOR and/or climate risk payload), `count`, `messages`
Coverage	US residential properties
Update frequency	Age of roof: updated periodically from aerial/satellite imagery; climate risk: updated annually (confirm exact schedule with data team)
Exclusions	Commercial real estate is not covered. Age of Roof is a statistical model estimate — always check `yearBuiltModeledIndicator`; a value of `1` means the year is modeled, not recorded.
Combine with	Property characteristics for structural data; Analytics for market context

`pacra-property_analytics_by_clips_tool`

Retrieve comprehensive property analytics data — both age of roof and climate risk — for a list of CLIPs in a single call. When to use:

You need both roof condition and climate risk data for one or more properties
Performing full property risk assessments that combine physical condition with climate exposure
Running portfolio-level analyses where you want all available analytics in one request

Examples:

“Get full analytics for CLIPs 123456789 and 987654321”
“Retrieve roof age and climate risk for CLIP 555555555”

Input schema

Parameter	Type	Required	Description
`clips`	`array[string]`	Yes	A list of numeric CLIP identifier strings

Each CLIP must be a non-empty string consisting only of numeric characters (e.g. ["123456789", "987654321"])

Example request

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "pacra-property_analytics_by_clips_tool",
    "arguments": {
      "clips": ["123456789"]
    }
  }
}

Output schema

The response contains a standard envelope wrapping an array of Property objects that include both age of roof and climate risk data. See Response envelope and the field references below.

`pacra-property_analytics_age_of_roof_by_clips_tool`

Retrieve age of roof data only — roof age, construction year, confidence rank, and property address with geocode — for a list of CLIPs. When to use:

You only need roof condition data without climate risk scores
Monitoring roof age across a portfolio for replacement planning
Validating roof construction year during insurance underwriting

Examples:

“Get roof age for CLIP 123456789”
“Check roof construction year and confidence for CLIPs 111111111 and 222222222”

Input schema

Parameter	Type	Required	Description
`clips`	`array[string]`	Yes	A list of numeric CLIP identifier strings

Each CLIP must be a non-empty string consisting only of numeric characters (e.g. ["123456789", "987654321"])

Example request

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "pacra-property_analytics_age_of_roof_by_clips_tool",
    "arguments": {
      "clips": ["123456789"]
    }
  }
}

Output schema

The response contains a standard envelope wrapping an array of PropertyWithAgeOfRoof objects. The propertyAnalytics field contains only ageOfRoof. See response envelope and age of roof below.

`pacra-property_climate_risk_by_clips_tool`

Retrieve climate risk data only — multi-peril loss scores, RCP scenario comparisons, and time horizon projections — for a list of CLIPs. Supported perils include flood, wildfire, hurricane, tornado, hail, wind, heat, and drought. Each peril provides current scores and forward-looking projections under RCP 4.5 and RCP 8.5 scenarios across multiple time horizons (current, mid-century, end-of-century). When to use:

You only need climate risk exposure without roof condition data
Evaluating climate resilience for one or more properties
Comparing future risk projections across RCP scenarios and time horizons

Examples:

“Get climate risk scores for CLIP 123456789”
“Compare flood and wildfire risk for CLIPs 111111111 and 222222222”

Input schema

Parameter	Type	Required	Description
`clips`	`array[string]`	Yes	A list of numeric CLIP identifier strings

Each CLIP must be a non-empty string consisting only of numeric characters (e.g. ["123456789", "987654321"])

Example request

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "pacra-property_climate_risk_by_clips_tool",
    "arguments": {
      "clips": ["123456789"]
    }
  }
}

Output schema

The response contains a standard envelope wrapping an array of PropertyWithClimateRisk objects. The propertyAnalytics field contains only climateRiskAnalytics. See response envelope and property climate risk analytics below.

Response envelope

All three tools return an identical envelope:

Field	Type	Description
`success`	`boolean`	Whether the request completed successfully
`data`	`array`	Array of property records (item type varies by tool — see below)
`count`	`integer`	Number of records in `data`
`messages`	`array[string]`	Informational or warning messages

All four fields are always present in every response.

Data items

Each tool returns items in the data array with the following top-level fields. All fields are optional, nullable, and default to null.

Field	Type	Description
`clip`	`string`	Cotality CLIP identifier for the property
`propertyAnalytics`	object	Analytics payload (contents vary by tool — see below)

The propertyAnalytics object contains different fields depending on which tool you call:

Tool	`propertyAnalytics` contains
`pacra-property_analytics_by_clips_tool`	`ageOfRoof` (AgeOfRoof) + `climateRiskAnalytics` (array[PropertyClimateRiskAnalytics])
`pacra-property_analytics_age_of_roof_by_clips_tool`	`ageOfRoof` (AgeOfRoof) only
`pacra-property_climate_risk_by_clips_tool`	`climateRiskAnalytics` (array[PropertyClimateRiskAnalytics]) only

Both ageOfRoof and climateRiskAnalytics are optional, nullable, and default to null.

Age of roof types

AgeOfRoof

The ageOfRoof object is a container for roof analytics data. All fields are optional, nullable, and default to null.

Field	Type	Description
`roofAge`	`array[RoofAge]`	Array of roof age records for the property

RoofAge

Each RoofAge record contains roof condition estimates, construction year, and the associated address and geocode. All fields are optional, nullable, and default to null.

Field	Type	Description
`address`	`RoofAddress`	Address information for the property (see RoofAddress)
`geocode`	`RoofGeoCode`	Geocode coordinates for the property (see RoofGeoCode)
`medianRoofConstructedAge`	`integer`	Median roof construction age across properties at this location
`medianRoofConstructedYear`	`integer`	Median roof construction year across properties at this location
`roofConstructedAge`	`integer`	Estimated age of the roof in years
`roofConstructedConfidenceRank`	`string`	Confidence rank for the roof construction estimate (`HIGH`, `MEDIUM`, or `LOW`)
`roofConstructedYear`	`integer`	Estimated year the roof was constructed or last replaced
`totalNumberOfProperties`	`integer`	Total number of properties evaluated at this location
`yearBuilt`	`integer`	Year the building was originally constructed
`yearBuiltModeledIndicator`	`integer`	Indicator for whether the year built value is modeled (1) or recorded (0)

RoofAddress

Address information associated with the roof analytics record. All fields are optional, nullable, and default to null.

Field	Type	Description
`address1`	`string`	Primary address line
`address2`	`string`	Secondary address line
`city`	`string`	City name
`state`	`string`	State abbreviation
`zipCode`	`string`	5-digit ZIP code
`streetName`	`string`	Street name
`house1Number`	`string`	House / street number
`predirectionCode`	`string`	Street directional prefix (e.g. “N”, “SW”)
`postdirectionCode`	`string`	Street directional suffix
`suffixCode`	`string`	Street suffix (e.g. “ST”, “AVE”)
`prefixCode`	`string`	Street name prefix
`zipPlus4Code`	`string`	ZIP+4 code
`unitType`	`string`	Unit type (e.g. “APT”, “STE”)
`unitNumber`	`string`	Unit / apartment number

RoofGeoCode

Geocode coordinates for the roof analytics record. All fields are optional, nullable, and default to null.

Field	Type	Description
`latitude`	`number`	Latitude coordinate
`longitude`	`number`	Longitude coordinate

Understanding `roofConstructedConfidenceRank`

The RoofAge object returns a roofConstructedConfidenceRank of HIGH, MEDIUM, or LOW. This value reflects the model’s confidence in the estimated construction year — not the age itself. A LOW confidence estimate is not equivalent to missing data; it means the model produced an estimate but from weaker underlying signals.

Climate risk types

PropertyClimateRiskAnalytics fields

Each PropertyClimateRiskAnalytics record contains the climate risk model metadata, geocode, and per-peril risk data. All fields are optional, nullable, and default to null.

Field	Type	Description
`craRecordIdentification`	`string`	Unique identifier for this climate risk analytics record
`craStructureGeocode`	`PropertyCraStructureGeocode`	Geocode used for the climate risk analysis (see PropertyCraStructureGeocode)
`modelRunDate`	`string`	Date the climate risk model was executed
`modelVersion`	`string`	Version of the climate risk model used
`perils`	`array[CraPeril]`	Array of per-peril risk data (see CraPeril)
`riskTypeScoreGroup`	`string`	Risk type score grouping for this record

PropertyCraStructureGeocode

Geocode coordinates used for the climate risk analysis. All fields are optional, nullable, and default to null.

Field	Type	Description
`latitude`	`number or string`	Latitude coordinate
`longitude`	`number or string`	Longitude coordinate

CraPeril

Each CraPeril record represents a single peril type (e.g. flood, wildfire, hurricane) and contains RCP scenario data for that peril. All fields are optional, nullable, and default to null.

Field	Type	Description
`description`	`string`	Human-readable name of the peril (e.g. “Flood”, “Wildfire”)
`identification`	`string`	Machine-readable peril identifier
`rcpScenarios`	`array[RcpScenario]`	RCP scenario projections for this peril (see RcpScenario)

RcpScenario

Each RcpScenario record represents a Representative Concentration Pathway scenario (e.g. RCP 4.5 or RCP 8.5) and contains time horizon projections. All fields are optional, nullable, and default to null.

Field	Type	Description
`climateScenarioCode`	`string`	RCP scenario identifier (e.g. `"4.5"`, `"8.5"`)
`timeHorizons`	`array[CraTimeHorizon]`	Time horizon projections under this scenario (see CraTimeHorizon)

CraTimeHorizon

Each CraTimeHorizon record contains loss metrics for a specific time horizon under one RCP scenario. Metrics include average annual loss, Annual Exceedance Probability (AEP), Occurrence Exceedance Probability (OEP), and their Tail Value-at-Risk (TVaR) counterparts at 50-, 100-, 200-, and 500-year return periods. All fields are optional, nullable, and default to null.

Field	Type	Description
`timeHorizon`	`integer`	Projection year for this time horizon (e.g. `2030`, `2050`, `2100`)
`averageAnnualLossRatio`	`number or string`	Expected annual loss as a ratio of property value
`averageAnnualLossRiskScore`	`integer`	Risk score derived from the average annual loss
`annualExceedanceProbability50YearLoss`	`number or string`	AEP loss estimate for a 50-year return period
`annualExceedanceProbability100YearLoss`	`number or string`	AEP loss estimate for a 100-year return period
`annualExceedanceProbability200YearLoss`	`number or string`	AEP loss estimate for a 200-year return period
`annualExceedanceProbability500YearLoss`	`number or string`	AEP loss estimate for a 500-year return period
`annualExceedanceProbability50YearLossTvar`	`number or string`	AEP Tail Value-at-Risk for a 50-year return period
`annualExceedanceProbability100YearLossTvar`	`number or string`	AEP Tail Value-at-Risk for a 100-year return period
`annualExceedanceProbability200YearLossTvar`	`number or string`	AEP Tail Value-at-Risk for a 200-year return period
`annualExceedanceProbability500YearLossTvar`	`number or string`	AEP Tail Value-at-Risk for a 500-year return period
`occurrenceExceedenceProbability50YearLoss`	`number or string`	OEP loss estimate for a 50-year return period
`occurrenceExceedenceProbability100YearLoss`	`number or string`	OEP loss estimate for a 100-year return period
`occurrenceExceedenceProbability200YearLoss`	`number or string`	OEP loss estimate for a 200-year return period
`occurrenceExceedenceProbability500YearLoss`	`number or string`	OEP loss estimate for a 500-year return period
`occurrenceExceedenceProbability50YearLossTvar`	`number or string`	OEP Tail Value-at-Risk for a 50-year return period
`occurrenceExceedenceProbability100YearLossTvar`	`number or string`	OEP Tail Value-at-Risk for a 100-year return period
`occurrenceExceedenceProbability200YearLossTvar`	`number or string`	OEP Tail Value-at-Risk for a 200-year return period
`occurrenceExceedenceProbability500YearLossTvar`	`number or string`	OEP Tail Value-at-Risk for a 500-year return period

Sample response — full analytics

{
  "success": true,
  "count": 1,
  "data": [
    {
      "clip": "123456789",
      "propertyAnalytics": {
        "ageOfRoof": {
          "roofAge": [
            {
              "address": {
                "address1": "123 MAIN ST",
                "address2": null,
                "city": "LOS ANGELES",
                "state": "CA",
                "zipCode": "90001",
                "streetName": "MAIN",
                "house1Number": "123",
                "predirectionCode": null,
                "postdirectionCode": null,
                "suffixCode": "ST",
                "prefixCode": null,
                "zipPlus4Code": "1234",
                "unitType": null,
                "unitNumber": null
              },
              "geocode": {
                "latitude": 34.0522,
                "longitude": -118.2437
              },
              "medianRoofConstructedAge": 18,
              "medianRoofConstructedYear": 2008,
              "roofConstructedAge": 16,
              "roofConstructedConfidenceRank": "HIGH",
              "roofConstructedYear": 2010,
              "totalNumberOfProperties": 1,
              "yearBuilt": 1985,
              "yearBuiltModeledIndicator": 0
            }
          ]
        },
        "climateRiskAnalytics": [
          {
            "craRecordIdentification": "CRA-123456789",
            "craStructureGeocode": {
              "latitude": 34.0522,
              "longitude": -118.2437
            },
            "modelRunDate": "2025-01-15",
            "modelVersion": "3.0",
            "perils": [
              {
                "description": "Flood",
                "identification": "FLOOD",
                "rcpScenarios": [
                  {
                    "climateScenarioCode": "4.5",
                    "timeHorizons": [
                      {
                        "timeHorizon": 2030,
                        "averageAnnualLossRatio": 0.00045,
                        "averageAnnualLossRiskScore": 12,
                        "annualExceedanceProbability50YearLoss": 0.0023,
                        "annualExceedanceProbability100YearLoss": 0.0051,
                        "annualExceedanceProbability200YearLoss": 0.0089,
                        "annualExceedanceProbability500YearLoss": 0.0142,
                        "annualExceedanceProbability50YearLossTvar": 0.0038,
                        "annualExceedanceProbability100YearLossTvar": 0.0072,
                        "annualExceedanceProbability200YearLossTvar": 0.012,
                        "annualExceedanceProbability500YearLossTvar": 0.019,
                        "occurrenceExceedenceProbability50YearLoss": 0.0019,
                        "occurrenceExceedenceProbability100YearLoss": 0.0045,
                        "occurrenceExceedenceProbability200YearLoss": 0.0078,
                        "occurrenceExceedenceProbability500YearLoss": 0.0125,
                        "occurrenceExceedenceProbability50YearLossTvar": 0.0031,
                        "occurrenceExceedenceProbability100YearLossTvar": 0.0063,
                        "occurrenceExceedenceProbability200YearLossTvar": 0.0105,
                        "occurrenceExceedenceProbability500YearLossTvar": 0.017
                      }
                    ]
                  },
                  {
                    "climateScenarioCode": "8.5",
                    "timeHorizons": [
                      {
                        "timeHorizon": 2030,
                        "averageAnnualLossRatio": 0.00052,
                        "averageAnnualLossRiskScore": 14,
                        "annualExceedanceProbability50YearLoss": 0.0028,
                        "annualExceedanceProbability100YearLoss": 0.006,
                        "annualExceedanceProbability200YearLoss": 0.0103,
                        "annualExceedanceProbability500YearLoss": 0.0168,
                        "annualExceedanceProbability50YearLossTvar": 0.0045,
                        "annualExceedanceProbability100YearLossTvar": 0.0085,
                        "annualExceedanceProbability200YearLossTvar": 0.0141,
                        "annualExceedanceProbability500YearLossTvar": 0.0224,
                        "occurrenceExceedenceProbability50YearLoss": 0.0023,
                        "occurrenceExceedenceProbability100YearLoss": 0.0053,
                        "occurrenceExceedenceProbability200YearLoss": 0.0091,
                        "occurrenceExceedenceProbability500YearLoss": 0.0148,
                        "occurrenceExceedenceProbability50YearLossTvar": 0.0037,
                        "occurrenceExceedenceProbability100YearLossTvar": 0.0075,
                        "occurrenceExceedenceProbability200YearLossTvar": 0.0124,
                        "occurrenceExceedenceProbability500YearLossTvar": 0.0201
                      }
                    ]
                  }
                ]
              },
              {
                "description": "Wildfire",
                "identification": "WILDFIRE",
                "rcpScenarios": [
                  {
                    "climateScenarioCode": "4.5",
                    "timeHorizons": [
                      {
                        "timeHorizon": 2030,
                        "averageAnnualLossRatio": 0.0032,
                        "averageAnnualLossRiskScore": 68,
                        "annualExceedanceProbability50YearLoss": 0.015,
                        "annualExceedanceProbability100YearLoss": 0.034,
                        "annualExceedanceProbability200YearLoss": 0.058,
                        "annualExceedanceProbability500YearLoss": 0.095,
                        "annualExceedanceProbability50YearLossTvar": 0.025,
                        "annualExceedanceProbability100YearLossTvar": 0.048,
                        "annualExceedanceProbability200YearLossTvar": 0.081,
                        "annualExceedanceProbability500YearLossTvar": 0.13,
                        "occurrenceExceedenceProbability50YearLoss": 0.013,
                        "occurrenceExceedenceProbability100YearLoss": 0.03,
                        "occurrenceExceedenceProbability200YearLoss": 0.051,
                        "occurrenceExceedenceProbability500YearLoss": 0.084,
                        "occurrenceExceedenceProbability50YearLossTvar": 0.021,
                        "occurrenceExceedenceProbability100YearLossTvar": 0.042,
                        "occurrenceExceedenceProbability200YearLossTvar": 0.071,
                        "occurrenceExceedenceProbability500YearLossTvar": 0.115
                      }
                    ]
                  }
                ]
              }
            ],
            "riskTypeScoreGroup": "PROPERTY"
          }
        ]
      }
    }
  ],
  "messages": []
}

​pacra-property_analytics_by_clips_tool

​Input schema

​Example request

​Output schema

​pacra-property_analytics_age_of_roof_by_clips_tool

​Input schema

​Example request

​Output schema

​pacra-property_climate_risk_by_clips_tool

​Input schema

​Example request

​Output schema

​Response envelope

​Data items

​Age of roof types

​AgeOfRoof

​RoofAge

​RoofAddress

​RoofGeoCode

​Understanding roofConstructedConfidenceRank

​Climate risk types

​PropertyClimateRiskAnalytics fields

​PropertyCraStructureGeocode

​CraPeril

​RcpScenario

​CraTimeHorizon

​Sample response — full analytics

`pacra-property_analytics_by_clips_tool`

Input schema

Example request

Output schema

`pacra-property_analytics_age_of_roof_by_clips_tool`

Input schema

Example request

Output schema

`pacra-property_climate_risk_by_clips_tool`

Input schema

Example request

Output schema

Response envelope

Data items

Age of roof types

AgeOfRoof

RoofAge

RoofAddress

RoofGeoCode

Understanding `roofConstructedConfidenceRank`

Climate risk types

PropertyClimateRiskAnalytics fields

PropertyCraStructureGeocode

CraPeril

RcpScenario

CraTimeHorizon

Sample response — full analytics