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Data & site-analysis module

Risk Summary

Flood, bushfire and contamination in one defensible, per-property read.

data.risk-summaryv1.0.0Either: Insitive-hosted OR in-house API

Methodology

The Risk Summary module condenses the three hazards lenders ask about first — flood, bushfire (BAL) and contamination — into a single normalised profile per property, sourced from state floodplain authorities, CFA/RFS bushfire mapping and EPA contamination registers.

Every hazard line carries an explicit coverage flag alongside its severity. Statewide layers are live for VIC, NSW, WA and TAS; ACT and NT cover flood and bushfire (no contamination register); QLD is covered per-council; SA is not yet covered. Where data is not available the response reports "not_covered" — never a clear result — so the absence of data is never mistaken for the absence of risk in your report.

When to use it

  • Mortgage security valuations — a one-line, auditable risk disclosure per property.
  • Bulk portfolio screening before ordering full hazard reports on flagged assets.
  • Prompting further enquiry: an explicit "not covered" tells you where to check state sources manually.

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.

Inputs
  • property : Address | Parcel
    Address or parcel to assess.
Outputs
  • flood : RiskLine
    Severity + coverage flag from state flood layers.
  • bushfire : RiskLine
    BAL-based severity + coverage flag.
  • contamination : RiskLine
    Register proximity flag + coverage flag.
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Insitive

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Information on this platform is general in nature, may be incomplete, out of date or inaccurate, and is not financial, legal, valuation or property advice. Data is sourced from third parties and provided without warranty. Verify independently and seek professional advice before acting. See our Disclaimer for details.

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