Our data, honestly

What we know — and what we don't.

Most cat tools are a black box. We'd rather tell you exactly what's behind each answer: which source, how fresh, and whether it's a live event, a historical record, a warning, or licensed measurement. If we can't stand behind a number, we label it — never fabricate it.

Sources & freshness

Every layer, where it comes from, how current it is.

Layer	Source	Freshness	Grade
Wildfire
Active fires & perimeters	CIFFC / NRCan	Live (≈daily, ≤5-min cache)	Live
Fire danger rating	NRCan CWFIS	Daily	Live
Historical fires (10-yr+)	NRCan NFDB + NBAC	Archive (~2–3 yr lag, own-store fills the gap)	Historical
Flood
Active flood extent	geo.ca / NRCan	Live	Live
Realized-flood frequency	Own collection engine	Accruing since we started collecting	Historical
Mapped flood zones (in/out)	Provincial maps	Not yet integrated	Roadmap
Hail & storm
Severe-storm / hail warnings	ECCC weather alerts	Live — harvested every 5 min	Live
Warning frequency & warned size	Own collection engine	Accruing (parsed from alert text)	Warning-grade
Confirmed hail & measured stone size	Licensed (Opta / CatIQ)	On the roadmap	Licensed
Earthquake
Recent seismicity (M2+)	USGS	Live (past 12 mo)	Live
Location
Geocoding	NRCan + Google fallback	Live; precision flagged (rooftop / interpolated)	Live

What the grades mean

Four honest labels.

●

Live

A current, real-time reading — an active fire, an open flood extent, a storm warning issued now.

●

Historical

A recorded past event from an official archive or our own accumulating store. Real, dated, source-attributed.

●

Warning-grade

A warning was issued — not proof hail actually fell, and sizes are parsed from the alert text, not measured. We say so, every time.

●

Licensed / roadmap

Determination-grade data (confirmed hail, measured size, mapped flood zones) we add via a licensed feed where the economics justify it.

The moat

We collect all of Canada, continuously.

Every storm and hail warning, every flood extent, every active fire — nationally, around the clock, into a spatial database that keeps growing. No free archive carries confirmed hail history in Canada, so we build our own frequency record forward from day one. The counter on our home page is this store, live.

Honest caveat: it's warning-grade and young today. That's exactly why we label it — and why confirmed, measured hail is a licensed layer on the roadmap, not a claim we make now.

Talk to us about your book

Handling & residency

How we treat your data.

Coordinates-only

Insured locations are handled as coordinates — no policyholder PII required to score a risk. PIPEDA-conscious by design.

Advisory, not a determination

Every output is decision-support, never a peril determination, rating, or underwriting decision.

Audit trail

Each assessment is logged with its inputs, timestamp, source provenance and a rules hash.

Data residency

Currently hosted in North America; Canadian-region hosting is available for enterprise on request.

See it on your real addresses.

We'll show you exactly what PerilIntel knows about your book — and, just as honestly, what it doesn't yet.

Request a demo Read the API docs