Spatial catastrophe risk intelligence for commercial underwriting

Real-time wildfire, flood, and storm dynamic pricing for MGAs, surplus lines brokers, and reinsurers — powered by MODIS/VIIRS satellite feeds, ERA5 telemetry, and ASOP 38 / 56 solvency accumulation controls.

Wildfire Dynamic Pricing

Real-time MODIS/VIIRS active fire hotspots, ERA5 fuel moisture, and wind vectors for high-risk California brush zones.

Flood & Inland Hazard Engine

Elevation terrain modeling, precipitation accumulation grids, and inland flood plain inundation risk scoring.

5-Mile Grid PML Solvency Cap

Automated $25,000,000 Probable Maximum Loss accumulation caps per spatial cell — protecting carrier capital.

Real-Time Actuarial API Execution

Single Quote Cost: $0.15 USD | Guaranteed Latency: < 45ms

# Curl Request to VesperSpatial Wildfire Pricing Engine

curl -X POST "https://api.vesperspatial.com/api/v1/actuarial/quote/wildfire" \

-H "Authorization: Bearer vesper_key_..." \

-H "Content-Type: application/json" \

-d {

"policy_id": "POL_CA_2026_9812",

"location": {"latitude": 38.3047, "longitude": -122.2989},

"tiv_usd": 2500000.0,

"hazard_domain": "wildfire"

}

Actuarial Evaluation Output

Click "Test Real Quote API" above to execute a live actuarial calculation.

Hybrid usage + enterprise SaaS

Start with pay-as-you-go API queries, scale into Growth MGA subscriptions, or deploy Enterprise reinsurance SLAs.

Pay-As-You-Go

$0/ mo

$0.15 / quote · $500 Stripe deposit

Bot developers & small MGAs
$25M PML grid cap
Standard email / docs

Get started

Growth MGA

$2,500/ mo

$0.10 / quote · 25,000 included

Surplus lines MGAs
$100M multi-cell PML
4-hour response SLA

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Enterprise Reinsurer

$10,000/ mo

Volume tiered (< $0.05) · custom invoice

Syndicates / carriers
Custom capacity pooling
Dedicated actuary SLA

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