Verisk Risk Scoring API

openapi: 3.1.0
info:
  title: Verisk Insurance Analytics Catastrophe Risk Scoring API
  description: Verisk (formerly ISO) provides insurance risk scoring, actuarial data, and property analytics APIs for P&C insurance carriers. APIs deliver loss cost data, risk classification, catastrophe modeling, property data, claims analytics, and underwriting data services for insurance pricing, reserving, and exposure management.
  version: '1.0'
  contact:
    name: Verisk Support
    url: https://www.verisk.com/contact/
  license:
    name: Verisk Terms of Service
    url: https://www.verisk.com/terms-of-use/
servers:
- url: https://api.verisk.com/insurance/v1
  description: Verisk Insurance Analytics API
security:
- BearerAuth: []
- ApiKeyHeader: []
tags:
- name: Risk Scoring
  description: Insurance risk scores and rating factors
paths:
  /risk/scores:
    post:
      operationId: getRiskScores
      summary: Verisk Get Insurance Risk Scores
      description: Returns risk scores for properties, policies, or portfolios. Includes ISO fire protection classification, building code effectiveness grading, and commercial/personal lines risk scores.
      tags:
      - Risk Scoring
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RiskScoreRequest'
            examples:
              GetRiskScoresRequestExample:
                summary: Default getRiskScores request
                x-microcks-default: true
                value:
                  locations: []
                  scoreTypes: []
      responses:
        '200':
          description: Risk scores
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RiskScoreResponse'
              examples:
                GetRiskScores200Example:
                  summary: Default getRiskScores 200 response
                  x-microcks-default: true
                  value:
                    locations: []
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /risk/fire-protection-class:
    get:
      operationId: getFireProtectionClass
      summary: Verisk Get ISO Fire Protection Class (PPC)
      description: Returns the ISO Public Protection Classification (PPC) grade for a location, which measures a community's fire suppression capability. PPC grades range from 1 (best) to 10.
      tags:
      - Risk Scoring
      parameters:
      - name: latitude
        in: query
        required: true
        schema:
          type: number
        example: 36.1699
      - name: longitude
        in: query
        required: true
        schema:
          type: number
        example: -115.1398
      - name: constructionType
        in: query
        schema:
          type: string
          enum:
          - FRAME
          - MASONRY
          - FIRE_RESISTIVE
          - MODIFIED_FIRE_RESISTIVE
          - JOISTED_MASONRY
          - NON_COMBUSTIBLE
        description: ISO construction class
        example: FRAME
      responses:
        '200':
          description: Fire protection class data
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/FireProtectionClass'
              examples:
                GetFireProtectionClass200Example:
                  summary: Default getFireProtectionClass 200 response
                  x-microcks-default: true
                  value:
                    ppcGrade: 4
                    splitCode: example-value
                    fireDistrictName: Sample Name
                    distanceToFireStation: 0.8
                    distanceToHydrant: 0.8
                    communityName: Sample Name
                    state: CA
                    lastSurveyDate: '2025-03-15'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  schemas:
    RiskScoreRequest:
      type: object
      required:
      - locations
      - scoreTypes
      properties:
        locations:
          type: array
          maxItems: 100
          items:
            type: object
            properties:
              locationId:
                type: string
              address:
                $ref: '#/components/schemas/Address'
              coordinates:
                $ref: '#/components/schemas/Coordinates'
          example: []
        scoreTypes:
          type: array
          items:
            type: string
            enum:
            - FIRE_PROTECTION_CLASS
            - BUILDING_CODE_EFFECTIVENESS
            - FLOOD_ZONE
            - EARTHQUAKE_ZONE
            - WIND_ZONE
          example: []
    FireProtectionClass:
      type: object
      properties:
        ppcGrade:
          type: integer
          minimum: 1
          maximum: 10
          description: ISO Public Protection Classification grade
          example: 4
        splitCode:
          type: string
          description: Split code (e.g., 4/9 for split classification)
          example: example-value
        fireDistrictName:
          type: string
          example: Sample Name
        distanceToFireStation:
          type: number
          description: Distance to nearest responding fire station in miles
          example: 0.8
        distanceToHydrant:
          type: number
          description: Distance to nearest fire hydrant in feet
          example: 0.8
        communityName:
          type: string
          example: Sample Name
        state:
          type: string
          example: CA
        lastSurveyDate:
          type: string
          format: date
          example: '2025-03-15'
    RiskScoreResponse:
      type: object
      properties:
        locations:
          type: array
          items:
            type: object
            properties:
              locationId:
                type: string
              scores:
                type: object
                additionalProperties:
                  type: object
                  properties:
                    score:
                      oneOf:
                      - type: integer
                      - type: string
                      - type: number
                    description:
                      type: string
          example: []
    Address:
      type: object
      properties:
        street:
          type: string
          example: 123 Main St
        city:
          type: string
          example: San Francisco
        state:
          type: string
          pattern: ^[A-Z]{2}$
          example: CA
        zipCode:
          type: string
          example: '94105'
        country:
          type: string
          default: US
          example: US
    Coordinates:
      type: object
      properties:
        latitude:
          type: number
          minimum: -90
          maximum: 90
          example: 36.1699
        longitude:
          type: number
          minimum: -180
          maximum: 180
          example: -115.1398
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
    ApiKeyHeader:
      type: apiKey
      in: header
      name: X-API-Key