About Vorilanex
Vorilanex is a natural disaster insurance gap analysis tool built by Smart Technology Investments. We believe every homeowner deserves to know their true disaster exposure before an event occurs -- not after.
Our engine combines FEMA flood zone data, USGS earthquake hazard models, NOAA storm records, and state insurance rate filings to identify gaps in your coverage and optimize your deductible strategy across earthquake, flood, and wind/hail perils.
We are not an insurance agency and do not sell policies. Vorilanex is a risk analysis tool designed to help you and your insurance agent make more informed coverage decisions.
What We Analyze
Risk Modeling
Seismic hazard and flood zone data integration from USGS, FEMA, and NOAA.
Insurance Analysis
Coverage gap estimation and deductible guidance.
Construction Assessment
FEMA P-154 screening categories, retrofit cost modeling, and premium impact.
Frequently Asked Questions
Is Vorilanex an insurance agent?
No. We are a risk analysis tool. We do not sell insurance policies or receive commissions from carriers. Our recommendations are based on data, not revenue incentives.
Where does the data come from?
Regional hazard tables held in this service, keyed by ZIP-code prefix and derived from public hazard references. We do not currently ingest live feeds from FEMA, USGS or NOAA, and we do not hold state insurance rate filings.
How accurate are the cost estimates?
Estimates are based on published rate tables and median costs. Your actual premium depends on your specific carrier, coverage selections, and property inspection results. Use our numbers for comparison -- get a formal quote from your agent for the final figure.
Do you cover all 50 states?
Partially. We hold hazard rows for a subset of ZIP-code prefixes; an area we do not hold a row for receives the national default rather than a local figure. We say so on the results page when it happens.