ABOUT RISK MERIDIAN

We built what we wish we'd had when we bought our first house.

Risk Meridian was founded by an insurance adjuster with twelve years on claims across the US. After working hundreds of losses where the homeowner had no idea their property was in a hail corridor, sitting in a flood zone, or paying for coverage that wouldn't actually rebuild their house, the pattern became impossible to ignore: the data to prevent every one of those conversations was out there — just buried, scattered, and written only for underwriters. So we built the report we wished every buyer had walked into closing with.

THE STORY

It started after the tragedy in Kerrville.

Our founder spent more than a decade adjusting property claims across the country. The summer 2025 floods on the Guadalupe brought the same conversation he'd had after every major storm: “Nobody told me this was a flood zone.” “I didn't know my deductible was that high.” “My agent said it wouldn't be a problem.” After Kerrville, he stopped writing claims and started building Risk Meridian.

The data to prevent every one of those conversations exists. FEMA maps, NOAA storm records, county permits, soil surveys, carrier rate filings, CLUE loss history — some public, some licensed, all scattered across a dozen different systems and written in language that assumes you're already an underwriter.

Risk Meridian aggregates, scores, and translates. We pull from the same sources a carrier uses to price your policy, apply a scoring model calibrated to Central Texas loss history, and deliver a report a buyer can actually read in the twenty-minute option-period meeting with their agent.

METHODOLOGY

How we score risk.

Our risk scoring combines federal and state public data, insurance actuarial data, AI-assisted document parsing, and a proprietary scoring methodology calibrated to Central Texas loss history.

Dimension
Primary sources
Flood
FEMA NFHL, LiDAR elevation, freeboard calculations
Wind & Hail
NOAA Storm Events, NEXRAD radar, ASCE 7 wind zones
Insurance Market
TX Dept. of Insurance rate filings, AM Best, carrier admitted/surplus status
Wildfire
FEMA National Risk Index, Wildland-Urban Interface (WUI) data
Foundation & Soil
USDA NRCS soil survey, parcel age
Crime & Liability
FEMA Social Vulnerability Index, FBI NIBRS

Each dimension is scored using raw data, then combined using a proprietary scoring model calibrated against Central Texas loss history. AI-assisted parsing handles unstructured inputs — scanned permits, county filings, historical claim narratives — while the scoring logic itself is deterministic and auditable. Scores are relative indicators, not actuarial certifications.

DATA SOURCES

Eight inputs. One composite.

FEMA NFHL

PUBLIC

Flood zone mapping

NOAA / NEXRAD

PUBLIC

Storm and hail events

LexisNexis CLUE

LICENSED

Prior loss history

County CAD

PUBLIC

Parcel and valuation

City Permits

PUBLIC

Austin Development Services

TX Dept. of Insurance

PUBLIC

Carrier rate filings

AM Best

LICENSED

Carrier market analytics

USDA NRCS

PUBLIC

Soil and foundation risk

IMPORTANT

What Risk Meridian is not.

Risk Meridian is not a licensed insurance agent or broker. We do not sell policies, bind coverage, or receive commissions from carriers. We are not a licensed real estate agent, inspector, or engineer. Reports are informational and do not constitute legal, financial, insurance, real estate, or engineering advice. Always obtain licensed professional advice before making a transaction decision.

CONTACT

How to reach us.

GENERAL
hello@riskmeridian.io
REPORTS
report@riskmeridian.io
ENTERPRISE
sales@riskmeridian.io