Stratalize Real Estate

HUD Fair Market Rents by metro area and bedroom count. Used for affordable housing underwriting, Section 8 Housing Choice Voucher compliance, LIHTC income limit calculations, and housing authority budgeting. Source: HUD annual FMR dataset. Free.

Use when scheduling outdoor construction work, planning equipment deployment, or assessing weather risk for any US project site. Analyzes NOAA 7-day forecast data against construction delay thresholds — precipitation probability, wind speed above 25 mph, and freeze events below 32°F — returning a risk tier and specific high-risk days to avoid. Example: Chicago IL project site shows HIGH delay risk Thursday through Saturday — 70% precipitation probability, 2.3 inches rain forecast, 28°F overnight low Friday. Reschedule concrete pours and crane operations. Source: NOAA National Weather Service — official US government forecast.

Use when quantifying climate-related financial risk for insurance underwriting, real estate acquisition due diligence, ESG climate risk disclosures, or board-level climate briefings. Returns NOAA's official tally of billion-dollar weather disasters — hurricane, flooding, tornado, wildfire, winter storm — with event frequency, total economic losses, deaths, and trend direction. The same dataset cited by reinsurers, the Federal Reserve Financial Stability Report, and the SEC climate disclosure framework. Example: Texas 10-year history — 31 billion-dollar events, $174B total losses, frequency increasing — highest insured loss exposure of any US state. Source: NOAA NCEI Billion-Dollar Disasters.

Use when pricing physical climate risk for a location — real estate acquisition, commercial property underwriting, construction site selection, or climate-related financial disclosure. Returns a composite risk score across six perils (flood, hurricane, tornado, wildfire, extreme heat, freeze) using the same risk factors embedded in FEMA's National Risk Index. Example: Miami-Dade FL — EXTREME overall, top 2% hurricane exposure, Zone AE flood designation across 40% of commercial parcels, 94 days above 95°F annually — commercial property insurance costs 3.2x national median. Source: NOAA Climate Normals, FEMA National Risk Index, USGS Natural Hazards composite.

Use when establishing the macroeconomic cost of climate risk for board-level ESG reporting, reinsurance negotiations, infrastructure investment decisions, or climate-related financial risk disclosures under SEC or TCFD frameworks. Returns NOAA's official annual billion-dollar disaster economics — event count, total losses, deaths, and historical context showing 10-year trend acceleration. Example: 2023 — 28 events, $92.9B total losses, 12% above the 10-year average — the fifth consecutive year of above-average economic losses. Cited by the Federal Reserve, Treasury, and major reinsurers as the authoritative US climate loss series. Source: NOAA NCEI.