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CoverGuard vs First Street Risk Factor
Risk Factor scores (flood, fire, heat, wind) — best known from Zillow integration (removed Dec 2025).
First Street's Risk Factor scores became visible to consumers through Zillow before that integration ended in late 2025. The scores are useful hazard signal, but they don't tell an agent or lender whether the property is actually insurable in the current market, or who's writing it.
| Dimension | CoverGuard | First Street |
|---|---|---|
| Geographic coverage | All 50 states | National |
| Carrier-writing status | Yes | No |
| Binding workflow | Yes | No |
| Insurability verdict | Score + carrier list | Risk-only scores |
| Distribution model | Direct + API | Publisher integrations (recent removals) |
| Buyer / agent portal | Yes | Embed-led |
| Pricing | Published | Enterprise license model |
| Underwriter-friendly auditability | Sourced data, auditable | Composite hazard model |
| Multi-peril breadth | Flood, fire, wind, earthquake, crime | Flood, fire, heat, wind |
| Workflow for lenders | API / webhook | Risk-data feed |
| Commercial parcels | Yes | Yes (different tier) |
When First Street is the right pick
- • You want consumer-grade hazard scores embedded in publisher products
- • Your use case is climate research, not deal-level decisioning
When CoverGuard is the right pick
- • You need carrier-writing status on top of hazard data
- • You need a binding workflow, not just a score
- • Zillow no longer surfaces the score and you need a replacement
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Source for competitor positioning: https://www.housingwire.com/articles/zillow-removes-first-street-risk-factor-data-from-listings/. Comparison reflects publicly disclosed positioning as of 2026-08-04. Competitor capabilities change — corrections welcome at hello@coverguard.io.