Hazards & Climate

Methodology

The Hazards & Climate module fuses physical-risk data layers from authoritative sources (state floodplain authorities, CFA/RFS BAL maps, CSIRO sea-level scenarios, and the EPA priority sites register) into a single normalised hazard profile keyed to the parcel.

For each hazard the module returns both a quantitative measure (e.g. 1%-AEP depth above floor level) and a qualitative weighting (none / low / medium / high) so report fragments and downstream methods can make consistent decisions about disclosure and adjustment.

When to use it

• Mortgage security valuations — lenders require explicit hazard disclosure.
• Pre-acquisition due diligence for institutional buyers.
• Portfolio risk reporting for banks and insurers (composes with portfolio API).

Standards & references

• APRA APS 220 — security property assessment, hazard considerations.
• API ANZVTIP 5 — Mortgage and Loan Security Valuations.
• AS 3959 — Construction in bushfire-prone areas (BAL ratings).

Plugin interface

Every method is a self-contained module that plugs into the Valuation App. It exposes a typed input/output schema so it can be invoked from a report writer, a workflow, or your own backend.