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Code: PH2 Ping Hazard is a curated collection of key property exposure information, purpose-built for driving US property insurance. It collects, organizes, and scores the most relevant perils that drive underwriting and rating decisions — flood, hurricane, earthquake, wildfire, severe convective storm, crime, and more. Each peril uses the measurement best suited to its source data, with supporting attributes providing context and detail. Vendor website · Vendor API documentation · Data dictionary (.xlsx) Required input: latitude, longitude
When Ping.Extraction fetches this data on your behalf, the Ping JSON format makes these payloads available under the external_data[PH2] key of each building.

Location

Geospatial and address information for this result, used for further data lookups. If the geocode.match_level and confidence are too low/imprecise, certain data fields won’t be available.

Site

Information about the immediate surroundings of the property location, such as elevation, distance to coast, population density, and county identity. Source: Google Elevation; EASI (population density); U.S. Census Bureau (county FIPS code).

Property

Physical building attributes. Source: US Tax Record Data

Perils

Hazard measurements use the form appropriate to each peril: normalized scores where available, FEMA flood-zone categories, USDA wildfire burn probability, and area-normalized tornado/hail event density. Normalized scores are calibrated within their own peril and are not comparable across perils. Source: FEMA National Risk Index; FEMA NFHL; NOAA SLOSH; USDA/USFS wildfire; AAIS; EASI crime; Florida sinkhole dataset; Ping county lookups.

Flood

Flood perils: FEMA flood zone, inland (riverine) flood, coastal flood, and watershed (HUC12). Source: FEMA National Flood Hazard Layer (flood zone); FEMA National Risk Index (riverine, coastal); USGS Watershed Boundary Dataset (HUC12).

Hurricane

Hurricane exposure, county wind tier (Ping and AIG standard), and storm surge. Source: FEMA National Risk Index; NOAA SLOSH (storm surge); Ping county lookup (wind tier, AIG wind tier).

Severe Convective Storm

Severe convective storm perils: tornado, hail, and lightning. Source: FEMA National Risk Index (tract event frequency and area; lightning risk score).

Earthquake

Earthquake exposure, seismic zone/subzone, and tsunami. Source: FEMA National Risk Index; Ping county lookup (seismic zone/subzone).

Fire

Wildfire exposure and structure-fire protection. Source: USDA/USFS; AAIS; Ping distance datasets.

Sinkhole

Nearest recorded sinkhole. Present for Florida only; omitted elsewhere. Source: Florida state sinkhole dataset.

Crime

Overall and per-crime exposure. Source: EASI crime.

Meta

Identifies the output schema version.
A previous version of this datasource, Ping Hazard v1 (PH), remains available for existing integrations — see Ping Hazard v1.

Concepts and Interpretation

This section explains how to interpret the Ping Hazard v2 model in practice.

Risk Scoring

Every peril under perils reports risk the same way: a risk_score (0-100) and a bucketed risk_level label.

NRI-derived perils

Hurricane, Earthquake, Tsunami, Tornado, Hail, Lightning, Riverine Flood, Coastal Flood, and Wildfire derive risk_score from the FEMA National Risk Index’s annualized loss rate to buildings for that peril, normalized onto a 0-100 scale. risk_level buckets the risk_score:

Crime

For crime perils, the risk_score is an approximate national percentile, computed from the EASI crime index (US average = 100). risk_level uses its own 5-band scale instead of the NRI table above, since a roughly-uniform percentile has no meaningful “No Exposure” / “Negligible” low end: Crime also carries grade, EASI’s own A-F letter grade, computed independently — risk_level and grade won’t always agree 1:1.

Absent sections

A section or peril that doesn’t apply to the location, has no data, or couldn’t be fetched is never omitted and never null. It’s replaced by a single-key object naming the reason:
Check for the result key to distinguish an absent section from a populated one.