Property Risk Glossary
Plain-language definitions of the property-risk and underwriting terms behind every PerilGrid report — from distance to coast to fire protection class.
Distance to Coast
Distance to coast is the shortest distance from a property to the nearest ocean or gulf shoreline, used to gauge wind and storm-surge exposure.
Read more →Windpool Zone
A windpool zone is a coastal area where standard insurers limit wind coverage, so a state-backed association provides windstorm and hail policies of last resort.
Read more →Replacement Cost
Replacement cost is the estimated amount to rebuild a structure with similar materials and quality at current local prices — not its market or resale value.
Read more →Distance to Fire Hydrant
Distance to fire hydrant is how far a property is from the nearest working hydrant — a key input to fire-suppression capability and insurance protection class.
Read more →Fire Station Distance
Fire station distance is the travel distance or response time from the nearest responding fire station to a property, a core driver of fire insurance rating.
Read more →Crime Risk Score
A crime risk score rates the relative likelihood of crime at or near a property, helping underwriters assess theft, vandalism, and liability exposure.
Read more →Distance to Water
Distance to water measures how far a property is from lakes, rivers, reservoirs, or other inland waterbodies, used to assess flood and water-related exposure.
Read more →Occupancy Type
Occupancy type classifies how a property is used — owner-occupied, tenant-occupied, seasonal, or vacant — which materially changes its risk profile.
Read more →Responding Fire District
The responding fire district is the specific fire department or district legally responsible for responding to emergencies at a given address.
Read more →Public Protection Classification (PPC)
The Public Protection Classification (PPC) is an ISO rating from 1 to 10 that grades a community’s fire-protection capability and strongly influences fire insurance premiums.
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