Atlas United grades are a purpose-built deterministic peril model. Eight independently calibrated layers, fifty-four perils, validated against decades of observed severe events. No black-box blending, no proprietary aggregator math — every score traces to a documented model component with version, calibration vintage, reason code (patent claim 30).
The A–F peril grades above are deterministic. The storm data is different: AtlasCast forecasts come from trained machine-learning models, and TrueFixR damage data comes from observed and reported events. Both are described here, including where they fall short.
AtlasCast values are modeled likelihoods. They rank where damaging weather is more probable, and are not a promise that any single roof will be hit.
Weather-model cells are tens of kilometers wide, so every address in a cell shares its signal. Treat ratings as neighborhood-to-county risk.
The 282.9M figure counts address points. Roughly half sit within a few meters of another point for the same street address, so distinct deliverable addresses are fewer.
Exposure dollars are what it costs to rebuild a structure, the number insurance cares about. They exclude land and location premium.
Winter, ice, wildfire and wind models are the strongest. Tornado, hail, heavy rain and flash flood are useful for ranking areas but weaker, and hurricane and coastal surge have few training events. Ask us for per-peril validation figures.
Hindcast and historical runs do not cover hurricane, coastal surge, winter and ice, or stream-gauge flood data. Forecast lead time in a hindcast is at most about 15 hours.
Every Atlas peril layer is independently calibrated against a documented event catalog spanning at least 22 years of validated observations — and continuously back-tested against new severe events as they occur. We publish hit-rate statistics. Most peril vendors don't.