Mortgage underwriter · Insurer
Flood risk, crime, radon. One pre-computed score.
Property risk data is scattered across EA datasets, deprivation indices, and crime statistics — each requiring separate ingestion and normalisation. Your underwriters waste time joining sources that should already be joined. Zyfy pulls rivers and sea flood risk, groundwater risk, crime rate, and radon potential into a single postcode response with a pre-computed scores.propertyRiskScore, so your pipeline can gate on one number.
Relevant signals
These fields are returned on every response and are ready to wire into your application logic.
| Signal | Relevance | What it tells you |
|---|---|---|
| scores.propertyRiskScore | Critical | Composite 0.0–1.0 score aggregating flood exposure, deprivation, and crime. Higher scores indicate greater property risk. Wire directly into your lending or underwriting rules. |
| signals.flood.riversSea | Critical | EA flood risk classification for rivers and coastal flooding: very_low, low, medium, or high. The dominant flood risk type for mortgage lenders. |
| signals.flood.groundwater | High | Groundwater flooding from rising water tables. Relevant for low-lying postcodes and properties with basements or cellars. |
| signals.environment.isAonb | Medium | True when the postcode falls within an Area of Outstanding Natural Beauty. Relevant for rebuild cost modelling and planning restriction flags. |
| signals.environment.isNationalPark | Medium | True when the postcode is within a national park boundary. Carries planning constraints that affect rebuild and modification costs. |
| signals.housing.dominantPropertyType | Medium | Most common accommodation type in the LSOA — detached, semi-detached, terraced, flat, or other. Flat-dominated areas carry different structural and shared-maintenance risk profiles compared to a street of detached houses. Useful for lender property type policy rules. |
| summary.areaTrajectory | Low | "improving", "stable", "declining", or "mixed" — synthesised from IMD trend, property price direction, and air quality trend. Useful for long-term portfolio risk horizon. |
Live example
A real-world request and the response it returns.
Request
curl https://zyfy.uk/v1/postcode/HU12BN \
-H "X-API-Key: your_api_key"Response
{
"postcode": "HU1 2BN",
"outwardCode": "HU1",
"inwardCode": "2BN",
"latitude": 53.737824,
"longitude": -0.33793,
"country": "England",
"region": "Yorkshire and The Humber",
"adminDistrict": "Kingston upon Hull, City of",
"adminWard": "St Andrew's & Docklands",
"ruralUrbanClassification": "urban",
"summary": {
"propertyRiskLevel": "high"
},
"signals": {
"flood": { "riversSea": "high", "groundwater": "low" },
"property": { "averagePrice": 101288 },
"environment": { "isNationalPark": false, "isAonb": false, "isGreenBelt": false },
"deprivation": { "imdDecile": 2 }
},
"scores": {
"propertyRiskScore": 0.73
},
"percentiles": {
"floodRivers": 92,
"crimeRate": 91
}
}Example data is illustrative only. Responses shown include a subset of signals for clarity — the full response contains additional fields. See the signal reference for the complete list.
What you get
- ✓ Rivers, sea, and groundwater flood risk — Both EA flood risk classifications are returned together — no secondary lookups against separate datasets.
- ✓ Pre-computed risk score — property_risk_score combines flood exposure, deprivation, and environmental constraints into a single 0–100 value. Gate on the score, not on four independent fields.
- ✓ Planning designation flags included — is_national_park and is_aonb are returned without extra cost. Both affect rebuild costs and modification rights — catch them at the point of application.
- ✓ No raw EA data to ingest — Environment Agency flood risk bulk files run to millions of records. Zyfy pre-loads and indexes them — query by postcode with no geospatial infrastructure on your side.
Score property risk at the point of application.
Free tier includes 100 requests per month. No credit card, no sales call.