Fluvenar

Documentation

Understand how Fluvenar models flood risk and projects insurance costs, or integrate our flood risk engine into your own application via the REST API.

Quickstart

Enter your property details and get a complete flood cost analysis in under 5 minutes.

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Flood Zone Classification

How we parse FEMA NFHL data to identify your exact flood zone -- A, AE, V, VE, X-shaded, or X-unshaded.

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Premium Projection Model

NFIP Risk Rating 2.0 premium estimation using replacement cost, flood type, distance to water, and more.

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Monte Carlo Simulation

10,000 premium trajectory scenarios under NFIP glide path rules calibrated to your property.

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Mitigation ROI Analysis

Compare flood vents, elevation, sump pumps, and other upgrades against premium reduction and damage avoidance.

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Total Flood Ownership Cost

NPV calculation combining premiums, expected uninsured losses, deductible exposure, and property value impact.

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API Endpoints

POST/v1/assess
GET/v1/zone/:address
GET/v1/crs/:zip
POST/v1/signup
POST/v1/login
GET/v1/account
POST/v1/checkout

Authentication

All API requests require an API key passed via the X-API-Key header.

curl https://fluvenar-api.smarttechinvest.com/v1/zone/77002 \
  -H "X-API-Key: fluv_your_api_key_here"

Flood Zone Classification

We parse FEMA's National Flood Hazard Layer (NFHL) to classify properties into flood zones:

  • A, AE, AH, AO zones -- Special Flood Hazard Areas (SFHA), 1% annual chance of flooding. Flood insurance required for federally backed mortgages.
  • V, VE zones -- Coastal high hazard areas with wave action. Highest risk and highest premiums.
  • B / X-shaded zones -- Moderate risk, 0.2% annual chance of flooding.
  • C / X-unshaded zones -- Minimal risk. Insurance not required but still recommended.

Zone classification is the primary determinant of whether flood insurance is mandatory and establishes the baseline for premium calculations under Risk Rating 2.0.

NFIP Premium Projection Model

Under Risk Rating 2.0, NFIP premiums are determined by property-level risk factors:

Premium = f(replacement_cost, flood_type, distance_to_water, first_floor_height, foundation_type, prior_claims, CRS_discount)

Our model implements the published Risk Rating 2.0 methodology to estimate premiums for each property. We then apply the NFIP glide path rules (maximum 18% annual increase) to project how premiums will evolve toward actuarial rates over time.

Monte Carlo Simulation

Rather than a single premium estimate, Fluvenar runs 10,000 simulated premium trajectory scenarios using Latin Hypercube Sampling. Each scenario models year-over-year premium changes under NFIP glide path rules, accounting for remapping probability and policy changes.

  • P10 (best case) -- 10th percentile premium trajectory
  • P50 (expected) -- median premium trajectory
  • P90 (worst case) -- 90th percentile premium trajectory
  • Full distribution -- complete histogram of possible premium paths

Mitigation ROI Analysis

We compare the upfront cost of common flood mitigation measures against expected premium reductions and damage avoidance over your ownership horizon:

  • Flood vents -- Allow water to flow through enclosures, reducing hydrostatic pressure and insurance premiums
  • Elevation -- Raising the structure above BFE, the most effective but most expensive mitigation
  • Sump pumps + battery backup -- Active water removal for basements and crawlspaces
  • Backflow valves -- Prevent sewer backup during flood events
  • Landscaping and grading -- Direct water away from the foundation

Total Flood Ownership Cost (TFOC)

TFOC is the NPV of all flood-related costs over your ownership horizon:

TFOC = NPV(Insurance Premiums) + NPV(Expected Uninsured Losses) + NPV(Deductible Exposure) + Property Value Impact

TFOC gives you a single number that captures the full cost of flood risk for your property. Use it to compare properties, evaluate mitigation investments, and make informed insurance decisions.