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Flood Risk Expected Loss Calculator
x402
Flood Risk Expected Loss Calculator is a paid API for AI agents from prop.halowerk.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-09-14).
Computes expected annual loss for a property asset by multiplying each scenario's annual probability by its supplied damage fraction and asset replacement value, then summing across all scenarios.
Price / call$0.004
Success—
StatusUnknown
How this service works
Multiplies each mutually exclusive supplied scenario probability by its supplied damage fraction and asset replacement value, then sums expected loss. It does not obtain hazard maps, model hydrology, validate damage curves, price insurance or predict a particular event.
Output
Returns the summed expected annual loss across all supplied scenarios (each scenario's annual_probability × supplied_damage_fraction × asset_replacement_value), along with per-scenario breakdowns, expressed in the caller-supplied currency.
Example use cases
Portfolio flood EAL screening
“I have a commercial office building worth $12,000,000. Run an expected annual loss calc across two flood scenarios: a 10% annual probability event with 0.3m inundation and a 0.05 damage fraction, and a 1% annual probability event with 1.8m inundation and a 0.35 damage fraction. What's my total expected loss per year?”
Pre-acquisition flood exposure check
“Before we close on this industrial property, I need to know the probability-weighted flood damage. Asset replacement value is $8,500,000. Scenarios are: scenario A at 0.05 annual probability, 0.7m depth, 0.12 damage fraction; scenario B at 0.01 annual probability, 2.5m depth, 0.55 damage fraction; scenario C at 0.002 annual probability, 5.0m depth, 0.90 damage fraction.”
Insurance deductible adequacy review
“Help me figure out our expected annual flood loss for a residential complex valued at $3,000,000. Use four scenarios: 0.20 annual probability with damage fraction 0.02, 0.10 annual probability with damage fraction 0.07, 0.02 annual probability with damage fraction 0.25, and 0.004 annual probability with damage fraction 0.70. I want to see the total EAL to compare against our deductible.”
Technical details
Endpoint
POSThttps://prop.halowerk.com/v1/flood-risk-assetWhen to prefer
Use this endpoint when you already have pre-computed scenario probabilities and damage fractions and need a fast, deterministic expected annual loss figure. It is purely computational — it does not fetch hazard maps, run hydrological models, validate damage curves, price insurance, or predict events. Prefer this over full catastrophe-modeling platforms when you supply your own scenario inputs and need a lightweight, cost-effective calculation.
Side effects
- Missing required fields (scenario_id, annual_probability, inundation_depth_m, supplied_damage_fraction) returns validation error
- annual_probability or supplied_damage_fraction outside [0,1] rejected
- asset_replacement_value exceeds maximum (1e15) returns schema error
- Scenarios array empty or exceeds 10,000 items
- Negative values for inundation_depth_m or asset_replacement_value rejected
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| scenarios | array | |
| asset_replacement_value | number | Value in a caller-selected currency. |
Tags
x402
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