Community association data for carriers, MGAs, and agencies
Underwrite and renew habitational risk with structured data on HOAs and condos: structural-integrity inspection status, flood and catastrophe exposure, governance and litigation signals. Aggregated public records, delivered through one API.
- 397,000+
- associations in the dataset
- Nationwide
- coverage varies by source and market
- Public records
- every field is sourced
- REST + MCP
- API access
Why underwriters use it
The association is the risk you cannot see on the submission
Habitational accounts live or die on the health of the association behind them. We make that health legible: structured, sourced, and queryable.
Underwrite with structural-integrity signals
For three-story-plus Florida condominiums, SIRS and milestone-inspection status tells you whether a building has funded its structural reserves or is carrying deferred risk. Layer that onto a submission before you quote.
Price flood and catastrophe exposure
FEMA flood zone, National Risk Index, and geographic hazard data joined to association records. Screen an association-identified book for coastal and surge concentration in one pass. A raw property address must resolve to an association first, and that coverage varies by market.
See governance and litigation context
Matched appellate cases, officer-change cadence, and registration standing say a lot about how an association is run. Read them at submission, not after a claim. Appellate matches are sparse, so no match is not proof of no litigation.
What is in the dataset
Sourced fields, built for underwriting
Every field is aggregated from public records and carries its source and refresh date.
Association registration and standing
Source: State corporate registries
SIRS and milestone-inspection status
Source: FL DBPR and county records
Flood zone and hazard exposure
Source: FEMA NRI and NFIP data
Appellate litigation history
Source: Published appellate opinions, sparse; silence isn't proof of no litigation
Address, county, and geography
Source: Parcel and cadastral records
Officer changes and management firm on file
Source: State officer filings, condo and HOA registries, CAM licensing records
Use cases
Where it fits in the workflow
Submission triage
Score an inbound habitational submission against association registration status, inspection status, and flood zone in one API call, so underwriters spend their time on the accounts worth quoting.
Portfolio exposure rollup
Match an existing book to association records and surface concentration by county, flood zone, and inspection-overdue status. Quantify catastrophe and deferred-maintenance exposure across the portfolio.
Renewal review
Re-pull the association record at renewal to see what changed since you last bound the risk: board and officer turnover, registration standing, and inspection filings where the state publishes them.
Agency and MGA enrichment
Pre-fill association detail on a quote form from structured data instead of asking the insured to dig up their declaration page and reserve study.
Free to browse, licensed to build on
The dataset is sourced from public records and is free to browse on the website, one association at a time. Programmatic, at-scale access is a paid product: a paid plan grants a commercial-use license, the right to use the data inside your own product or workflow, plus reliability, bulk and scale, and a no-scrape guarantee.
Free tier: personal and evaluation
The free tier is for personal use and for evaluating the API before you commit. It does not grant a commercial-use license. Browsing the website is always free for everyone.
Paid tiers: commercial-use license
A paid plan grants the right to use the data commercially inside your own product or workflow, with higher limits and a no-scrape guarantee so you never have to crawl the site yourself. Bulk export starts at Growth; the written uptime and support SLA comes with Scale and Enterprise.
Public records, source-attributed, no personal data
The dataset is aggregated from public registries, inspection filings, published appellate opinions, and hazard data. It describes associations and properties, not individual consumers. We do not sell personal information, and every field carries its source so your underwriters can defend a decision.
Questions
- What community association data do you provide for insurance?
- Structured records on HOAs and condo associations: registration status, SIRS and milestone-inspection status where reported, FEMA flood and hazard exposure, matched appellate cases where they exist, officer changes, the management firm on file, and address and geography. Every field is aggregated from public records and carries a source.
- Is this personal data or consumer data?
- No. The dataset is aggregated public records about associations and their corporate filings, inspections, and properties. It is not consumer credit data, not personal data about individual owners, and we do not sell personal information.
- How current is the data?
- Records are refreshed on a recurring cadence from their source registries and feeds. Each record exposes when it was last refreshed, so an underwriter can judge freshness before relying on a signal.
- How do carriers and MGAs access it?
- Through the Common Elements API: a REST interface plus an MCP server for AI assistants. You can query a single submission, enrich a quote form, or batch-match an existing book. Start on the developer plans and talk to us about volume and an enterprise data agreement.
- Can we license a bulk extract instead of querying the API?
- Yes. Bulk export is self-serve from the Growth plan up, and scheduled extracts are available under an enterprise data agreement for portfolio screening and modeling. Contact our team to scope coverage, states, and refresh cadence.
Put the data to work
Start with the API, explore the data, or talk to us about coverage and an enterprise data agreement for your book.