Verisk Property Risk Structure

{
  "$schema": "https://json-structure.org/meta/core/v0/#",
  "$id": "https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/verisk-property-risk-structure.json",
  "description": "A property risk assessment from Verisk insurance analytics including construction data, fire protection, and peril scores",
  "type": "object",
  "properties": {
    "propertyId": {
      "type": "string",
      "description": "Unique Verisk property identifier"
    },
    "address": {
      "$ref": "#/$defs/Address"
    },
    "coordinates": {
      "$ref": "#/$defs/Coordinates"
    },
    "construction": {
      "$ref": "#/$defs/ConstructionData"
    },
    "fireProtection": {
      "$ref": "#/$defs/FireProtectionClass"
    },
    "perilScores": {
      "type": "object",
      "description": "Risk scores keyed by peril type",
      "properties": {
        "FIRE": {
          "$ref": "#/$defs/PerilScore"
        },
        "WIND": {
          "$ref": "#/$defs/PerilScore"
        },
        "HAIL": {
          "$ref": "#/$defs/PerilScore"
        },
        "FLOOD": {
          "$ref": "#/$defs/PerilScore"
        },
        "EARTHQUAKE": {
          "$ref": "#/$defs/PerilScore"
        },
        "WILDFIRE": {
          "$ref": "#/$defs/PerilScore"
        },
        "HURRICANE": {
          "$ref": "#/$defs/PerilScore"
        }
      },
      "additionalProperties": {
        "$ref": "#/$defs/PerilScore"
      }
    },
    "lastUpdated": {
      "type": "date",
      "description": "Date when risk data was last updated"
    }
  },
  "required": [
    "propertyId",
    "address"
  ],
  "definitions": {
    "Address": {
      "type": "object",
      "properties": {
        "street": {
          "type": "string"
        },
        "city": {
          "type": "string"
        },
        "state": {
          "type": "string",
          "pattern": "^[A-Z]{2}$",
          "description": "US state abbreviation"
        },
        "zipCode": {
          "type": "string"
        },
        "country": {
          "type": "string",
          "default": "US"
        }
      },
      "required": [
        "street",
        "city",
        "state"
      ],
      "name": "Address"
    },
    "Coordinates": {
      "type": "object",
      "properties": {
        "latitude": {
          "type": "double",
          "minimum": -90,
          "maximum": 90
        },
        "longitude": {
          "type": "double",
          "minimum": -180,
          "maximum": 180
        }
      },
      "required": [
        "latitude",
        "longitude"
      ],
      "name": "Coordinates"
    },
    "ConstructionData": {
      "type": "object",
      "properties": {
        "yearBuilt": {
          "type": "int32",
          "minimum": 1800,
          "maximum": 2030
        },
        "squareFootage": {
          "type": "int32",
          "minimum": 0
        },
        "stories": {
          "type": "int32",
          "minimum": 1
        },
        "constructionType": {
          "type": "string",
          "enum": [
            "FRAME",
            "MASONRY",
            "FIRE_RESISTIVE",
            "MODIFIED_FIRE_RESISTIVE",
            "JOISTED_MASONRY",
            "NON_COMBUSTIBLE"
          ],
          "description": "ISO construction class"
        },
        "roofType": {
          "type": "string",
          "enum": [
            "SHINGLE",
            "TILE",
            "METAL",
            "FLAT",
            "SLATE"
          ]
        },
        "occupancyType": {
          "type": "string",
          "enum": [
            "RESIDENTIAL",
            "COMMERCIAL",
            "INDUSTRIAL",
            "MIXED_USE"
          ]
        }
      },
      "name": "ConstructionData"
    },
    "FireProtectionClass": {
      "type": "object",
      "description": "ISO Public Protection Classification (PPC) data",
      "properties": {
        "ppcGrade": {
          "type": "int32",
          "minimum": 1,
          "maximum": 10,
          "description": "PPC grade from 1 (best fire protection) to 10 (no protection)"
        },
        "splitCode": {
          "type": "string",
          "description": "Split classification code (e.g., 4/9)"
        },
        "fireDistrictName": {
          "type": "string"
        },
        "distanceToFireStation": {
          "type": "double",
          "minimum": 0,
          "description": "Distance to nearest fire station in miles"
        },
        "distanceToHydrant": {
          "type": "double",
          "minimum": 0,
          "description": "Distance to nearest hydrant in feet"
        },
        "lastSurveyDate": {
          "type": "date"
        }
      },
      "name": "FireProtectionClass"
    },
    "PerilScore": {
      "type": "object",
      "description": "Risk score for a single natural hazard peril",
      "properties": {
        "score": {
          "type": "int32",
          "minimum": 1,
          "maximum": 100,
          "description": "Relative risk score from 1 (lowest) to 100 (highest)"
        },
        "riskCategory": {
          "type": "string",
          "enum": [
            "VERY_LOW",
            "LOW",
            "MODERATE",
            "HIGH",
            "VERY_HIGH",
            "EXTREME"
          ]
        },
        "annualExceedanceProbability": {
          "type": "double",
          "minimum": 0,
          "maximum": 1,
          "description": "Annual probability of exceeding the loss threshold"
        },
        "description": {
          "type": "string"
        }
      },
      "name": "PerilScore"
    }
  },
  "name": "Verisk Property Risk Assessment"
}