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Enter your address
We auto-enrich your home's details from public assessor records — year built, sq footage, construction type, and replacement cost. You confirm, not enter. Takes under 60 seconds.
Empirical insurance matching
The right home insurance.
Found by data,
not guesswork.
We score every major carrier using real NAIC complaint data, parcel-level risk scoring from FEMA and USGS, and live availability checks — then match you to the carrier that actually fits your home.
18
Perils scored per home
200+
Carriers analyzed
$0
Cost to homeowners
0
Paid placements
How it works
Data first.
Coverage second.
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We score your home's risk profile
FEMA's 18-peril National Risk Index, parcel-level flood zone data, USGS wildfire hazard potential, and live carrier availability — all checked simultaneously for your specific address.
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✓
Get empirically ranked carriers
Carriers ranked by estimated premium, NAIC complaint ratio, AM Best financial rating, and coverage fit for your risk profile. Only carriers actively writing policies in your area appear.
NAIC
Complaint ratio data
FEMA
18-peril risk index
USGS
Wildfire hazard potential
AM Best
Financial strength ratings
Risk factors we score
Your home faces
unique risks.
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Wildfire
Scored at the parcel level using USGS Wildfire Hazard Potential and Cal Fire FHSZ maps. A FireLine score above 20 typically triggers non-standard market pricing.
Source: USGS WHP + Cal Fire FHSZ
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Flood
FEMA NFHL flood zone lookup at the parcel level. Post-Risk Rating 2.0, flood zone alone doesn't set your premium — specific property characteristics do.
Source: FEMA NFHL + NFIP Policy Data
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Wind / Hurricane
Wind zones and hurricane exposure by address. Florida homes within 1 mile of coast face special pricing tiers. Roof shape and attachment method affect premiums by 20–40%.
Source: FEMA NRI Wind + Verisk Wind Zones
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Hail
Hail frequency maps by geography. Texas, Colorado, and Kansas see the highest hail claims nationally. Roof age combined with hail exposure is the biggest underwriting variable in the Midwest.
Source: FEMA NRI Hail + NOAA Storm Data
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Freeze / Winter
Texas freeze events (2021) caused $20B+ in insured losses. Many Texas carriers now exclude freeze damage. We flag when your carrier's policy has exclusions that match your geographic risk.
Source: FEMA NRI Cold Wave + Ice Storm
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Roof Age
A roof over 20 years old in a hail-prone market can mean a $40,000+ gap in a real claim. Many carriers won't write new policies on roofs over 15 years old.
Source: County assessor + user confirmation
The data
Three public datasets.
One honest ranking.
FEMA National Risk Index
fema.gov/openfema — December 2025 v1.20
18 natural hazards scored at the census tract level. The backbone of our geographic risk engine.
Free public APINAIC Complaint Ratio Database
content.naic.org — Annual by carrier + state
Complaint ratios for every licensed insurer by state and line of business.
Free public APIUSGS Wildfire Hazard Potential
usgs.gov — 270m resolution, annual update
The same wildfire risk data the insurance industry uses to underwrite in California, Colorado, Oregon, and Washington.
Free public APIFEMA NFHL Flood Maps
fema.gov/flood-maps — Parcel-level GIS API
Official flood zone designations (AE, X, VE, etc.) at the parcel level. Covers 90%+ of the U.S. population.
Free public APICounty Assessor / Parcel Records
Regrid API + direct county feeds
Year built, square footage, construction type, roof type, and replacement cost value — auto-filled on address entry.
Licensed APIAM Best Financial Ratings
ambest.com — Real-time carrier ratings
Financial strength ratings for every carrier. We only show carriers rated A- or better.
Licensed APIWhy PolicyParity
Aggregators show options.
We show the truth.
Traditional aggregators
❌ Show carriers who aren't writing new policies in your area
❌ Rankings paid for by carrier marketing budgets
❌ Never show NAIC complaint data
❌ Zip-code risk — not your actual address
❌ No AM Best financial screening
❌ 40-question forms with no pre-fill
PolicyParity
✓ Live availability check before showing any results
✓ Rankings based entirely on empirical data
✓ NAIC complaint ratio shown for every carrier
✓ Parcel-level risk scoring from FEMA + USGS
✓ Only A- rated or better carriers appear
✓ Address auto-fills 80% of the form from public records
Your home deserves
an honest match.
Free for homeowners. No spam. No obligation. Takes under 60 seconds.
Find my carriers →PolicyParity is a matching platform, not an insurance carrier or agent. Estimated premiums are informational ranges — not quotes or offers of coverage. Only licensed agents can bind coverage. PolicyParity earns a lead fee from carriers — homeowners pay nothing.