Actionable Insights
The intelligence layer that changes what's possible
Every property decision — pricing or underwriting risk, approving a loan, valuing a home, scoping an inspection — depends on knowing facts that are scattered across dozens of sources — if they're available at all. The difference between what you know, and what you need to know, is your property intelligence gap. The smaller the gap, the better the decision.
Most property professionals suffer from large gaps — gaps that not only limit their knowledge about the New England homes, businesses, and customers they work with today, but severely limit their ability to see valuable insights that flow straight to the bottom line.
Our intelligence closes those gaps. Over a billion data points connected to millions of properties, derived by triangulating data from dozens of sources and hundreds of municipalities and agencies. Cleaned, normalized, and delivered securely in the format you need. It's a layer of intelligence that hasn't existed until now.
See the Intelligence
What becomes possible
The intelligence your competitors don't have
These are the insights this platform makes possible — and that professionals without it simply cannot access. Your expertise is the multiplier.
“Isolate the segment driving excess loss”
Pre-1940 construction with a C5–C6 condition estimate, no electrical permit on record, and an E fire protection grade. Absentee-owned properties in SFHA flood zones with 20+ years of ownership and no renovation activity. 430+ attributes combine to define precisely the segment you need to see.
Condition + year built + system ages + fire protection + ownership + flood zone
“Quantify coastal exposure at the parcel level”
FEMA flood zone, NOAA storm surge category, sea level rise inundation at 1, 3, and 6 feet, mean higher high water tidal distance, ocean proximity, ASCE 7-22 design wind speed, NRI expected annual loss, soil hydrology group, and NEP Fire Protection Grade. Per parcel, not ZIP-aggregated.
Flood zone + surge + SLR + MHHW + wind speed + NRI + soil + fire protection
“See who actually owns the property — and what else they own”
Entity resolution identifies LLC, trust, and corporate owners with entity type and formation date. Every other parcel held by the same entity across New England, with total portfolio assessed value. Full deed chain with dates, instrument types, grantors, and sale prices. Owner mailing address, absentee and out-of-state classification, and ownership tenure.
Entity resolution + portfolio + deed chain + mailing address + absentee + tenure
“Estimate ISO classification for commercial properties”
Business identity from state corporate filings, Google Places, ABCC/TTB alcohol licensing, Foursquare, and business websites triangulates into NEP Estimated ISO class codes, commercial occupancy class, and specific risk activity flags: commercial cooking, alcohol service, hazmat storage, healthcare, assembly, and lodging. NEP Underwriting Risk Tier from Standard through Specialty.
ISO class + occupancy + risk activity flags + underwriting risk tier
“Know what the permit timeline says before the inspection”
Every permit on the parcel — roof replaced Sep 2019, 200A electrical service Oct 2023, gas boiler Apr 2024 — with jurisdiction, scope, and contractor where the municipal record lists one. Derived system ages for electrical, plumbing, HVAC, and roof. Renovation detection for kitchen, bath, windows, siding, addition, and foundation. When a permit exists, we date it. When none exists, we say so.
Permit timeline + individual system ages + renovation detection
“Place every property against the book”
The NEP Condition Estimate (C1–C6, where permit coverage is available) combines permit activity, individual system ages, building age, and renovation history. Similar sales scored across 25 weighted features provide market context with condition-rated comps. The C-distribution across any territory shows where the tails are.
NEP Condition Estimate + system ages + similar sales + territory distribution
Where we cover
Active coverage across New England
Premium Property Intelligence covers 87% of New England's estimated insurance premium, and 86% of its population, across 781 municipalities — from Greenwich, Connecticut to Portland, Maine. The footprint and intelligence are deeply concentrated, not spread thin across geography or data. We're constantly updating and expanding our coverage, and enriching our available data.
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Built from the ground-up
How raw data becomes actionable intelligence
Every property record is built in layers. Each layer adds context that makes the layers below it more valuable. The result isn't a database — it's an intelligence record where every insight is traceable and sources are cited. The underlying architecture is bitemporal: every fact records both when the event occurred and when we learned about it, so the record can answer “what did we know, and when did we know it?” — not just what's true today, but what was true at points in time.
01
Parcel Foundation
Every parcel identified, geocoded, and linked to its authoritative assessor record. Year built, square footage, stories, bedrooms, lot size, zoning, land use code, construction type, style, materials, heating, and utilities — the baseline identity for each property.
Sources: Regrid Enterprise, MassGIS, Municipal Assessors, US Census TIGER, National Address Database, Overture Maps, National Zoning Atlas, USPS Address Management, Microsoft/Overture Buildings65 attributes
02
Environmental & Hazard
Federal, state, and municipal datasets joined to every parcel: FEMA flood zones and NFIP claims, NOAA sea level rise at 1/3/6 ft, SLOSH hurricane surge models, ASCE 7-22 wind and snow loads, USGS seismic PGA, USDA wildfire hazard, USDA NRCS soil data, National Wetlands Inventory, dam exposure with elevation awareness, EPA EJScreen environmental justice indicators, and the FEMA National Risk Index composite.
Sources: FEMA NFIP, FEMA NRI, FEMA Disasters, NOAA SLR, NOAA SLOSH, NOAA Storm Events, USGS Seismic, USDA NRCS, USDA Wildfire, USACE NID, USFWS NWI, EPA EJScreen, EPA Brownfields, EPA Radon Zones, EPA UST, ASCE 7-22, MassDEP 21E, MassDEP UST, MassDEP AUL, MassDEP Wellhead, CT DEEP, NH DES, Maine DEP, RI DEM, VT ANR, NH GRANIT, RIGIS, VCGI150 attributes
03
Ownership & Valuation
Deed records enriched with entity detection (LLC, Trust, Corporation, Estate), portfolio analysis across owners, absentee classification, ownership duration, conveyance velocity, mortgage and lien data, assessment breakdown, market value estimation via LightGBM ensemble modeling, pre-computed similar sales scored across 25 weighted features with condition-rated comps, sale history, and title health scoring.
Sources: County Registries of Deeds, MA Secretary of State, CT Secretary of State, RI Secretary of State, VT Secretary of State, NH Secretary of State, ME Secretary of State, MA DOR, Municipal Assessors, Regrid, US Census ACS75 attributes
04
Permits & Systems
Building permits from over 530 communities linked to each parcel. System ages derived for electrical, plumbing, HVAC, and roof from permit dates. Renovation detection (kitchen, bath, addition, siding, windows, foundation). Permit velocity scoring, maintenance evidence weighting, and the NEP Condition Estimate (C1–C6/NR) — a multi-factor composite weighted heavily toward permit activity, with building age as a secondary input. Coverage varies by municipality. A well-maintained 1800 colonial and a well-maintained 2010 cape can both achieve C1.
Sources: Municipal public records across all 6 NE states, MA Board of Building Regulations, CT DAS Office of State Building Inspector, State Plumbing & Electrical Boards65 attributes
05
Business & Commercial
Business identity from cross-referencing Google Places, state corporate filings, Foursquare Places, state ABCC/TTB alcohol licensing, and other sources. NEP Estimated ISO classification codes, occupancy class, risk activity flags (commercial cooking, alcohol service, hazmat storage, healthcare, assembly, lodging), multi-tenant detection, and NEP Underwriting Risk Tier.
Sources: Google Places, Foursquare Places, MA ABCC, CT Liquor Control, RI DBR, VT DLC, ME BABLO, NH Liquor Commission, TTB, ATF FFLs, IRS Exempt Organizations, OSHA, EPA ECHO, State SOS Corporate Filings35 attributes
06
Risk & Fire Protection
NEP Fire Protection Grade (A–E) scoring fire station distance, building separation density, and municipal water/sewer service availability. Composite risk scoring across flood, surge, wind, hail, earthquake, wildfire, soil, radon, lead paint, contamination, and building liability. Commercial risk alerts for cooking, hazmat, alcohol, and assembly. NRI expected annual loss, social vulnerability index, and community resilience rating.
Sources: NEP Intelligence Engine — triangulating FEMA, NOAA, EPA, USGS, USDA, ASCE, USFA NFIRS, MassDEP, MassCEC Solar, EPA Sewersheds, NE Fire Stations, Overture/Microsoft Buildings, EPA Radon Zones95 attributes
07
Visual enrichment layer
Imagery and Neighborhood Context
Aerial imagery from all six state imagery programs delivers parcel-level footprints, lot layout, outbuildings, and roof geometry. Proximity analysis to fire stations, hospitals, schools, and open space. Traffic proximity scoring. Census demographics, school quality, and neighborhood characteristics. Street-level image capture and AI-driven condition classification are in pilot and expanding from the coastal corridor outward — we note where pilot coverage is active on every parcel.
Sources: MA MassGIS, CT CTECO, NH GRANIT, VT VCGI, ME GeoLibrary, RI RIGIS, Overture Maps, NPS Historic Register, USGS 3DEP LiDAR, OpenTopography, US Census ACS, NCES School Districts. Street-level capture and visual classification where pilot coverage exists.40+ attributes, expanding
Your data and expertise. Our intelligence.
The intelligence above isn't just for browsing in a UI. Match your book of business, loan tape, or target portfolio, and return 430+ attributes per property. Match by address or owner to see the complete property data picture for every parcel, person or entity in your data. Available via API, batch, bulk Parquet, or other formats.
Guiding principles
Property intelligence built on principles, not shortcuts.
The property data available for New England is fundamentally inadequate for the decisions it's used to make. New England's historic properties, non-standard construction, mixed-use buildings, and dense urban streetscapes create an extremely tough data problem — and nobody else was solving it.
NE Provenance integrates deep intelligence from 140+ sources to give professionals a vastly superior foundation for better decisions. Your expertise is the multiplier. We provide the intelligence record that makes that expertise more powerful.
Our guiding principles are not marketing slogans. They are architectural decisions baked into every data structure, every API response, and every line of the Property Wallet and our products. They determine what we build, how we present it, and what we refuse to do.
Provenance over confidence scores
We do not say "80% confident this is a risk." That is a fabricated number that undermines credibility with professionals. Instead: "Flood zone AE — FEMA NFHL effective 2024. Fire protection grade B — station 0.8mi, public water service confirmed via MassDEP." The provenance IS the confidence. Professionals can evaluate our sourcing and develop their own trust.
Intelligence over raw data
Nobody needs hundreds of attribute values organized by data source. Professionals need answers to specific questions: Does this property have a pool? What condition is the roof? Is there an environmental exposure? We assemble over a billion raw facts from 140+ sources — but those facts are evidence, not product. The intelligence we derive from them is what we deliver.
"Unknown" is the honest answer
When our sources cannot determine something — tree cover obscures the backyard, no street capture yet, no permit on file — we say so. "Unknown — aerial obscured, street capture pending." This tells the professional exactly what to investigate and why we cannot answer yet. Honesty about gaps builds more trust than false precision.
Start from questions, not sources
Every intelligence metric answers a specific question a professional would ask. "Does this property have a pool?" — not "What does the assessor database say about this address?" We organize around decisions, not data tables. The sources are evidence. The question is what matters.
Triangulation creates the moat
A single trusted source is sufficient to state a fact. Multiple corroborating sources make the statement stronger and the provenance richer. When aerial imagery, street capture, and municipal permits all confirm the same finding, that is a level of evidence no single data provider can match — and it is what makes our intelligence defensible for underwriting, appraisal, and lending decisions.
Transparency with protection
We expose which sources we checked, what we found, and when. We protect the specific rules for how we combine sources into intelligence — the AI prompts, the weighting logic, the resolution hierarchies. This is how every credible data provider operates. Moody's publishes ratings and cites inputs. They do not publish the rating model.
Standards alignment
Industry frameworks, built in
Our data and classifications are designed to support the frameworks your teams already use — reducing translation effort and enabling compatibility with existing workflows.
NEP C1–C6/NR
Permit-derived condition and systems estimate for residential properties
ISO Class
Estimated business classification and ISO class code for occupancy and use
ISO PPC
Fire protection grading via NEP Fire Protection Grade (A–E)
FEMA NFIP
National Flood Insurance Program zone designations
FEMA NRI
National Risk Index composite hazard scores
ASCE 7
Design wind speed data for structural risk assessment
COPE Factors
Construction, Occupancy, Protection, and Exposure data points
ASTM E2018
Data supports professionals conducting property condition assessments
ACORD Fields
Data aligns with insurance data exchange standards
Data provenance
Every insight traces back to its source
Provenance isn't just in our name — it's the foundation of how we do business. We treat data the way forensics treats evidence: with a bitemporal chain of custody showing exactly where each fact originated, how it reached us, and when.
We don't assign arbitrary confidence scores. If deed records indicate an active tax lien on the property, we indicate the lien's presence — and we cite the source. If we can't determine something, we say so and explain exactly why. Professionals can evaluate our sourcing and develop their own trust in our methods over time.
Source ChainBitemporal fact store, data chain of custody, changes over time
FindingWhat the source tells us — stated as fact when the source is trusted
Evidence LinkDirect link to the supporting record, dataset, or image
DateWhen the source data was collected or last verified
CoverageWhether this source covers the municipality or region in question
CorroborationWhen multiple independent sources agree, we note it — that's what makes the intelligence authoritative
The intelligence difference
Triangulation creates intelligence that didn't exist before
Any single data source tells part of the story. When you triangulate across dozens of independent sources, patterns emerge that no individual record could reveal. That's the difference between data and intelligence.
Permit-timeline insight
A 1928 Colonial. Last building permit: 2008 (kitchen renovation). No roof, electrical, or plumbing permit in the 18 years since.
The permit record does not prove the building is deteriorating — but it does tell an underwriter, inspector, or appraiser exactly where the documented maintenance history is thin. The derived NEP Condition Estimate flags this; the permit timeline explains why.
Commercial risk profile
A mixed-use property. An active ABCC liquor license confirms a bar on the ground floor. Business sources confirm commercial cooking. No fire suppression permit is on file.
The liquor license says bar. The business data says commercial kitchen. The permit record says no suppression system. Three independent sources identify a classification and a potential gap before the underwriter picks up the phone.
Portfolio resolution
The deed record shows Harborview Holdings LLC took title in 2024. Entity resolution identifies twelve other parcels held by the same entity across three towns, all acquired in the past eighteen months.
A single-property view shows one LLC-owned parcel. Portfolio resolution shows a thirteen-parcel concentration in your book — a fact that matters for exposure management regardless of what the underwriter infers from it.
Explore the intelligence for yourself
Open a Property Wallet for a real New England property. With over 4.7 million similar records across all six New England states, see how it fits into your workflow.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 total · 4 in 5yrSystems3 updated · newest 0yrLiensClearAssessed$1.6MOcean0.3 miSurgeCat 2
EraPre-1940HistoricDesignatedRenovationRecent (5yr)CommercialNo Business ActivityRadonZone 1 — Highest
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CCPA compliant
Customer data never sold or shared
Authoritative, primary sources
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