Stop Bidding Blind on P&C Leads
GeoRisk Score tells you which ZIPs have insurable homeowners, what their properties are worth, and how exposed they are to hazard — before you bid.
GeoRisk Tier Separation
Atherton, CA
Ultra-wealthy, earthquake + wildfire
$8.1M
Hazard: 81.7
Miami Beach, FL
High value + hurricane zone
$6.4M
Hazard: 99.6
New Orleans, LA
#1 flood claims ZIP in the US
$320K
Hazard: 97.8
Moore, OK
Tornado alley
$215K
Hazard: 95.2
Mound Bayou, MS
Low value, rural
$84K
Hazard: 71.2
Tier 10 ZIPs have 8x the insurable value of Tier 1 ZIPs
You're paying the same CPL for every ZIP.
Same Price
You pay the same for a lead in an $800K home in a hail corridor as an $80K rental in a low-risk ZIP.
67%
of P&C lead spend goes to ZIPs where bind rates are below 2%. That money is wasted.
No Signal
No one tells you which ZIPs are worth your money — until now.
Adaptive scoring that sharpens with every data point.
GeoRisk Score adapts to whatever you send. ZIP only gets a base score. Add phone for concordance matching. Add IP for geolocation fraud detection. All in sub-1ms.
ZIP only
Base insurable value signal from 7 data sources
Base
< 1ms
ZIP + Phone
+ NPA-NXX concordance confirms caller geography
Medium
< 1ms
ZIP + Phone + IP
+ MaxMind geolocation + VPN detection + triple match
High
< 1ms
37K+
US ZIPs scored
89
Features per ZIP
<1ms
Scoring latency
7 government data sources. 2 enrichment layers.
Every score is built from authoritative public data — FEMA, Census, IRS, NOAA, FBI, NFIP, and Zillow. No black boxes.
FEMA National Risk Index
18 natural hazards, expected annual loss, community resilience scores
Zillow Home Values
Real-time monthly home value index by ZIP, with trend data
IRS Income & Mortgage
Household income, mortgage interest deductions, homeownership density
NOAA Storm Events
10 years of storm frequency and severity — 366K events mapped to ZIP
NFIP Flood Claims
2.7M actual flood insurance payouts — real loss history by ZIP
FBI Property Crime
Burglary, theft, arson rates by county — higher crime = higher premiums
Census Housing Stock
Owner-occupied %, single-family %, home age, structure type
NPA-NXX Concordance
428K phone prefixes — confirms caller geography matches claimed ZIP
MaxMind IP Geolocation
Cross-validates physical location + VPN/datacenter detection
Score a ZIP right now
Enter any US ZIP code. See its GeoRisk tier, hazard exposure, property values, and signals. No signup needed.
Try a Live GeoRisk Score
Enter a US ZIP code to see its GeoRisk tier. Add phone and IP for adaptive scoring with higher confidence. No signup required.
One score. Six P&C lines.
GeoRisk Score works across every P&C vertical where geography drives risk.
Primary use case — identify ZIPs with insurable owner-occupied homes
Primary use case
Fraud detection via IP/phone concordance + geographic pricing signals
NFIP claims data uniquely powerful — real loss history, not modeled risk
High net worth identification via property value + income signals
Seismic zone detection for CA, Pacific Northwest, and New Madrid
WUI zone identification for difference-in-conditions coverage
Every scored lead comes with policy gap signals.
Flood exposure without NFIP history. Earthquake zone without coverage. High-value homes likely needing umbrella. GeoRisk surfaces the cross-sell before you ask.
Flood Gap
High FEMA risk + low NFIP penetration
Earthquake Gap
Seismic zone + ~87% uninsured
Wildfire Gap
WUI zone + carrier non-renewals
Umbrella Gap
High income + high assets
The data speaks for itself.
8x
insurable value difference between Tier 10 and Tier 1 ZIPs
0.1ms
average scoring time — fast enough for real-time ping-tree bidding
89
features per ZIP from 7 government data sources
"We were spending $40K/month on P&C leads across 200 ZIPs with no idea which ones were driving binds. GeoRisk showed us that 80% of our binds came from 30 ZIPs — and we were underspending in all of them."
— Director of Marketing, Regional P&C Insurer
Simple, transparent pricing.
API
$0.002/query
Real-time scoring at ping stage. $500/mo minimum.
Batch Export
$2,500/quarter
37K ranked ZIPs with all features, updated monthly. Filter by state, tier, sources.
Retro Study
Free
Send us 90 days of lead data. We show you zone separation in 48 hours.
Works with your existing stack
27 live integrations across call tracking, lead distribution, contact centers, and CRMs. Add BidLync as a target in your platform in under 5 minutes.
Start Your Free Retro Study
Send us your last 90 days of P&C lead data. We'll show you your zone separation in 48 hours — free. No integration required. Just a CSV and a conversation.
8x
Zone separation
37K+
Scored ZIPs
<1ms
Scoring speed