Compare
CoverGuard vs First Street Risk Factor
Physics-based climate risk data (flood, wildfire, wind, heat, air quality), part of MSCI since August 2026.
First Street's property-level climate scores reached many consumers through Zillow listings until Zillow stopped showing them in late 2025, and the company is now part of MSCI. The scores are useful hazard signal, but they don't tell an agent or lender whether the property is likely insurable in the current market, or which carriers are likely writing it.
CoverGuard and First Street, row by row
| Capability | CoverGuard | First Street | Verified |
|---|---|---|---|
| Geographic coverage | All 50 states | Any US address; global data through MSCI | msci.comChecked 2026-10-10Corrected on re-check |
| Which carriers are likely writing | Yes — modeled for the state market and risk profile until a live carrier feed is connected | No | firststreet.orgChecked 2026-10-10 |
| Quote-request workflow | Yes | No | firststreet.orgChecked 2026-10-10 |
| Insurability verdict | Score + carrier list | Risk-only scores | firststreet.orgChecked 2026-10-10 |
| Distribution model | Direct + API | Enterprise data and API, now part of MSCI | msci.comChecked 2026-10-10Corrected on re-check |
| Buyer / agent portal | Yes | Public address lookup; no agent workspace | firststreet.orgChecked 2026-10-10Corrected on re-check |
| Pricing | Published | No public price list; contact sales | firststreet.orgChecked 2026-10-10Corrected on re-check |
| Underwriter-friendly auditability | Sourced data, auditable | Physics-based peril models with published methodology | firststreet.orgChecked 2026-10-10Corrected on re-check |
| Multi-peril breadth | Flood, fire, wind, earthquake, crime | Flood, wildfire, wind, heat, air quality | firststreet.orgChecked 2026-10-10Corrected on re-check |
| Workflow for lenders | API / webhook | Risk-data feed | firststreet.orgChecked 2026-10-10 |
| Commercial parcels | Yes: hazard data and a score; the carrier view covers personal lines only | Yes (different tier) | firststreet.orgChecked 2026-10-10 |
| Dispute/correction path | Yes — dispute a score from the Record; our team reviews every submission | No — its published policy is not to update scores on individual disputes, except with a FEMA LOMA/BFE letter or for new construction | help.firststreet.orgChecked 2026-10-16 |
Comparisons reflect publicly available information on the dates shown and are not a statement about First Street’s current product. Nothing here is a promise of coverage, premium or bindability.
When First Street is the right pick
- You need climate-risk data at portfolio or institutional scale
- Your use case is climate research or financial risk modeling, not deal-level decisioning
When CoverGuard is the right pick
- You need a modeled view of likely carriers on top of hazard data
- You need a route from the score to a real quote request, not just a score
- Zillow listings no longer show the scores and you need a replacement
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. · Or book a demo
Primary source for competitor positioning: https://firststreet.org/. Verified against First Street's own public pages on 2026-10-10 — the Verified column names the page for each row; due for re-review by 2027-01-08. Competitor capabilities change — corrections welcome at hello@coverguard.io.
From the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.