> ## Documentation Index
> Fetch the complete documentation index at: https://develop.cotality.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Climate risk analytics
> Age of roof estimates and multi-peril climate risk scores for US residential properties, retrieved by CLIP. Three tools for full-suite or individual dataset access.
**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](/mcp/property-data/tools/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](/mcp/property-data/tools/property-characteristics) for structural data; [Analytics](/mcp/market-trend-analytics/tools/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
```json theme={null}
{
"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](#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
```json theme={null}
{
"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](#response-envelope) and [age of roof](#age-of-roof-types) 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
```json theme={null}
{
"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](#response-envelope) and [property climate risk analytics](#climate-risk-types) 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](#ageofroof)) + `climateRiskAnalytics` (array\[[PropertyClimateRiskAnalytics](#propertyclimateriskanalytics-fields)]) |
| `pacra-property_analytics_age_of_roof_by_clips_tool` | `ageOfRoof` ([AgeOfRoof](#ageofroof)) only |
| `pacra-property_climate_risk_by_clips_tool` | `climateRiskAnalytics` (array\[[PropertyClimateRiskAnalytics](#propertyclimateriskanalytics-fields)]) 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](#roofaddress)) |
| `geocode` | `RoofGeoCode` | Geocode coordinates for the property (see [RoofGeoCode](#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](#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](#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)) |
### 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)) |
### 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
```json theme={null}
{
"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": []
}
```