Flood Risk Score Explained
The Oiriunu Flood Risk Score helps homeowners and partners understand property-level flood exposure, physical vulnerability, and insurance-related risk in one clear score.
How the Flood Risk Score Is Calculated
The Flood Risk Score is a weighted score based on location data, homeowner-reported property conditions, and insurance history. It helps identify which properties may need drainage improvements, waterproofing, flood protection, or a professional assessment.
Understanding the Oiriunu
Flood Risk Score
How we calculate a homeowner’s risk score, what the data sources are, and what a high score means for your engagement.
The final risk score is a weighted combination of location data pulled from government databases, property details the homeowner provided, and their insurance history. Here is exactly how each piece works.
This is the location-based component. It is generated by querying external databases against the homeowner’s address and reflects the structural flood risk of where the property sits — independent of anything the homeowner told us.
A Flood Exposure score of 75 or above automatically increases the scoring weight applied in both the Property Vulnerability and Insurance Risk components — reflecting that location risk amplifies all other vulnerabilities.
Built from what the homeowner told us directly about their property. Each factor below adds points to a base score, reflecting known physical risk drivers.
| Factor reported by homeowner | Points added |
|---|---|
| Prior flood damage to property | +18 |
| Active drainage issues | +16 |
| Full finished basement | +14 |
| Built before 1980 | +10 |
| Unfinished basement | +10 |
| Commercial property type | +10 |
| Flood exposure ≥ 75 (location penalty) | +8 |
| Occasional drainage issues | +8 |
| Trees overhanging structure | +8 |
| Partial basement / crawlspace | +8 |
| Multi-family property type | +8 |
| Single-family home | +6 |
| Built 1980–1999 | +6 |
| Flood exposure ≥ 50 (location penalty) | +4 |
| Built 2000–2014 | +3 |
Reflects how the insurance market has already responded to this property. A homeowner who has been denied coverage or dropped by a carrier is a strong signal — insurers have often identified risk the homeowner may not fully understand yet.
| Factor reported by homeowner | Points added |
|---|---|
| No flood insurance | +28 |
| Denied coverage or dropped by insurer | +22 |
| Prior flood claim on record | +18 |
| Unsure whether currently insured | +18 |
| Premium has increased | +16 |
| Flood exposure ≥ 75 (location penalty) | +10 |
| Flood exposure ≥ 50 (location penalty) | +6 |
| Has flood insurance | +4 |
A High or Severe score does not mean the property is unprotectable. It means the combination of location exposure, physical vulnerability, and insurance history places this homeowner in a category where professional intervention has clear, measurable value.
These are the properties where flood barriers, foundation waterproofing, drainage improvements, sump systems, and elevation work can make the difference between an insurable, sellable home and one that is not.
The Oiriunu score is a starting point, not a professional survey. It flags where the risk is concentrated — your on-site assessment determines what to do about it.
Questions about a specific lead?
Reach our partner team directly — we review every inquiry within one business day.