Summary
- PerilScore is bringing free property peril scores to ChatGPT.
- Scores cover hurricane, wildfire, hail, flood, tornado, and earthquake risk for any US address.
- Legacy providers charge $3–5+ per score; PerilScore in ChatGPT is free.
- Full platform starts at $1 per score with building data, imagery, and transparent methodology — no contracts or minimums.
PerilScore is bringing property-level peril scores directly into ChatGPT, launching soon and completely free. Anyone with a ChatGPT account will be able to get hurricane, wildfire, hail, flood, tornado, and earthquake risk scores for any US address. This is the same category of data that legacy property data vendors have been selling to insurers for $3 to $5 per API call, typically locked behind enterprise contracts with annual minimums and lengthy sales cycles.
What This Means
The property risk data business has always been built on aggregation. Legacy vendors created value by pulling together storm data from NOAA, weather records from the National Weather Service, county assessor information, and dozens of other public sources into packaged scores that insurers could access through APIs. The difficulty of assembling and maintaining those data pipelines justified the pricing, and the enterprise sales model created enough friction that customers rarely switched once integrated.
AI and ML are compressing both of those advantages. The same public data sources that required years of integration work can now be synthesized and cross-referenced automatically, and delivery no longer requires API contracts when users can get the same information with a single click. What used to require an enterprise relationship now takes seconds.
PerilScore in ChatGPT gives users a complete peril breakdown showing exactly which factors drive each risk score, with full transparency into the methodology. For users who need more, our full platform includes verified building construction data, aerial imagery analysis, building code evaluation, and AI-powered property reports starting at under $1 per property with no contracts or minimums. Legacy vendors charge three to five times that amount for their core peril scores alone, and building data, imagery analysis, and fire protection scores are typically sold as separate products requiring additional contracts.
Why Transparency Matters
Legacy peril scoring has historically operated without much visibility into methodology. You receive a score, but you cannot see the specific factors that produced it or how they were weighted. When a property scores poorly, there is no clear path to understanding which inputs are driving the assessment or whether better data might change the result. This opacity was not incidental; when customers cannot see how a score is calculated, they cannot easily replicate it or challenge it, which creates stickiness.
PerilScore takes the opposite approach. Every score comes with a complete breakdown of contributing factors. If a property has elevated hurricane risk, users can see exactly how distance to coast, roof age, construction type, and local wind history each contribute to the assessment. If better data exists for any factor, users can override it and watch the score recalculate in real time. AI makes this level of transparency practical in a way that was not economically viable when every data integration required custom engineering.
The Larger Context
The shift in how property data gets packaged and delivered is one part of a broader transformation in insurance infrastructure. The same capabilities that make data aggregation more accessible are beginning to reshape what happens downstream once that data is in hand. Property peril scoring is where this is becoming visible first, but the implications extend further into how properties get evaluated and decisions get made. We will have more to say about that soon.
What Happens Next
PerilScore for ChatGPT is launching soon. We'll share updates here as the release date approaches. In the meantime, our full platform is live now at app.perilscore.com, where you can start with 10 free reports and access complete building-level risk intelligence reports with no contracts or minimums.