See the flood exposure sitting inside your loan book

A loan is secured on a property, and nobody in the chain has checked whether that property floods.

1. Call the point endpoint with the collateral coordinate
2. Read depth and the 0–100 Flood Score
3. Route high-score cases to additional review or insurance conditions

What you get: A flood view at the collateral address, fast enough to sit inside an origination workflow.

The back book was written before anyone asked this question. You need a baseline.

1. Submit the book for batch screening
2. Compute exposed share by depth band
3. Segment by product, vintage and geography

What you get: A baseline physical-exposure figure for the whole secured book.

Individual loans look fine; the question is whether the book is quietly concentrated in one floodplain.

1. Aggregate exposed collateral by district
2. Compare against district-level exposure rates
3. Flag districts where both your concentration and the exposure rate are high

What you get: A concentration view that distinguishes "we lend a lot here" from "we lend a lot here and it floods".

Physical risk disclosure needs a hazard basis that an auditor or regulator can interrogate.

1. Use the published 1% layer as the hazard basis
2. Report exposed share of collateral by geography and depth band
3. Cite the method, which is public, including its stated limitations

What you get: A reproducible, independently documented hazard basis for physical risk reporting.

A single large asset — a plant, warehouse or solar park — carries concentrated exposure over a long tenor.

1. Query depth at the site
2. Pull exposure inside the full site boundary rather than one point
3. Ask for the return period that matches the tenor, not just the 100-year

What you get: Site-level flood exposure sized to the life of the facility.