openapi: 3.1.0
info:
  title: Verisk Insurance Analytics Catastrophe API
  description: Verisk (formerly ISO) provides insurance risk scoring, actuarial data, and property analytics APIs for P&C insurance carriers. APIs deliver loss cost data, risk classification, catastrophe modeling, property data, claims analytics, and underwriting data services for insurance pricing, reserving, and exposure management.
  version: '1.0'
  contact:
    name: Verisk Support
    url: https://www.verisk.com/contact/
  license:
    name: Verisk Terms of Service
    url: https://www.verisk.com/terms-of-use/
servers:
- url: https://api.verisk.com/insurance/v1
  description: Verisk Insurance Analytics API
security:
- BearerAuth: []
- ApiKeyHeader: []
tags:
- name: Catastrophe
  description: Catastrophe modeling and peril data
paths:
  /catastrophe/peril-scores:
    post:
      operationId: getPerilScores
      summary: Verisk Get Catastrophe Peril Scores
      description: Returns catastrophe exposure scores for natural hazard perils including hurricane, tornado, hail, wildfire, earthquake, and flood for a list of locations. Used for catastrophe risk management and PML estimation.
      tags:
      - Catastrophe
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PerilScoreRequest'
            examples:
              GetPerilScoresRequestExample:
                summary: Default getPerilScores request
                x-microcks-default: true
                value:
                  locations: []
                  perils: []
      responses:
        '200':
          description: Peril exposure scores
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PerilScoreResponse'
              examples:
                GetPerilScores200Example:
                  summary: Default getPerilScores 200 response
                  x-microcks-default: true
                  value:
                    locations: []
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  schemas:
    PerilScoreRequest:
      type: object
      required:
      - locations
      - perils
      properties:
        locations:
          type: array
          items:
            type: object
            properties:
              locationId:
                type: string
              latitude:
                type: number
              longitude:
                type: number
          example: []
        perils:
          type: array
          items:
            type: string
            enum:
            - HURRICANE
            - TORNADO
            - HAIL
            - WILDFIRE
            - EARTHQUAKE
            - FLOOD
            - WINTER_STORM
            - LIGHTNING
          example: []
    PerilScoreResponse:
      type: object
      properties:
        locations:
          type: array
          items:
            type: object
            properties:
              locationId:
                type: string
              perils:
                type: object
                additionalProperties:
                  type: object
                  properties:
                    score:
                      type: integer
                      minimum: 1
                      maximum: 100
                    riskTier:
                      type: string
                      enum:
                      - TIER_1
                      - TIER_2
                      - TIER_3
                      - TIER_4
                      - TIER_5
                    annualExceedanceProbability:
                      type: number
                      description: Annual probability of loss event
          example: []
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
    ApiKeyHeader:
      type: apiKey
      in: header
      name: X-API-Key