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Hazard exposure
Compare risk ratings, estimated annual loss and annualized frequency across multiple natural hazards.
A Polygon Vision application
See environmental risk in mortgage-market context
TerraVision connects FEMA hazard data with mortgage and community intelligence. It helps housing professionals understand where environmental risk overlaps with lending activity, housing patterns and community characteristics.
Market intelligence for analysis and planning—not a property-level hazard determination.
What TerraVision is
One view of hazard exposure, housing and lending.
TerraVision is the environmental-risk application within Polygon Vision. It brings public hazard measures into the same analytical environment as mortgage and community data, so users can move from a national pattern to a specific market, county or census tract.
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Mortgage activity
Study exposure alongside mortgage applications and originations to understand market context.
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Community context
Connect geographic patterns with housing and demographic characteristics for more grounded analysis.
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Flexible geography
Explore national, state, county and census-tract views with hazard and location filters.
Questions TerraVision helps answer
Move from a risk map to a housing-market question.
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Where does elevated hazard exposure overlap with mortgage activity?
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Which markets or communities warrant closer analysis?
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How does exposure vary across borrowers, neighborhoods and housing markets?
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Where should lenders or policymakers prioritize planning and engagement?
Explore the evidence
Four complementary ways to understand hazard risk.
Switch among hazards and geographic levels to investigate different dimensions of exposure. The views below are examples from the TerraVision application.
01 / RISK RATING
See relative risk across counties.
Overall Risk Rating summarizes how a county compares with others for a selected hazard. Use it to spot broad patterns and identify places for deeper review.
- Compare risk classifications across the country
- Filter by hazard, state, county or tract
- Quickly identify geographic concentrations
02 / ESTIMATED ANNUAL LOSS
Understand the scale of expected loss.
Estimated Annual Loss views help analysts compare the modeled economic impact of hazards, including the building-value component, across counties and census tracts.
- Compare estimated loss across markets
- Focus on building-value exposure
- Connect economic risk to housing activity
03 / ANNUALIZED FREQUENCY
Compare how often hazards may occur.
Annualized Frequency shows the modeled yearly probability or expected frequency of a selected hazard, helping users distinguish likelihood from severity.
- Explore chance per year by geography
- Compare hazards on a consistent map
- Add frequency context to planning
04 / LOAN VOLUME RATIO
See hazard exposure relative to mortgage activity.
Loan Volume Ratio compares estimated annual building loss with the mortgage loan volume originated in each county or census tract. It helps users see where environmental exposure may be more significant relative to the scale of local lending.
- Compare estimated annual loss with originated loan volume
- Move between county and census-tract views
- Identify markets that may warrant closer review
Who it helps
Built for decisions across the housing ecosystem.
Mortgage professionals
Add geographic hazard context to market strategy, portfolio review, fair-lending analysis and community engagement.
Housing policy analysts
Examine how environmental exposure intersects with housing access, neighborhood conditions and lending patterns.
Investors and portfolio teams
Screen markets and portfolios for concentrations that may merit additional investigation or scenario analysis.
Researchers and planners
Build a clearer geographic picture for resilience planning, public policy and place-based research.
Important context
A screening and market-intelligence tool.
TerraVision helps users compare public hazard indicators and place them in mortgage and community context. It does not determine property-level risk, predict a future event or replace engineering, insurance, appraisal or due-diligence analysis.
TerraVision + Polygon Vision
Bring environmental risk into the housing-data conversation.
See how TerraVision works alongside Polygon Vision’s mortgage and community intelligence applications.