Skip to main content
PropX402 automatically surfaces costs derived from property age, construction era, weather exposure, and flood zone status — things that never appear on a listing sheet.

​
Insurance Estimate

Base rate: 0.8% annual property value, adjusted for:
  • Age surcharge: up to +60% for 80+ year homes
  • Tornado/hail risk: up to +40% (NOAA data)
  • Flood zone: +$1,200/yr NFIP average if in flood zone

​
Rehab Cost Estimate

Base cost per sqft by age (8–52 $/sqft) × condition multiplier (0.2–1.8x):

​
Age-Based Risk Flags

Example — 1411 8th Ave SE, Cedar Rapids IA (built 1910)Insurance: 142/mo⋅Rehabmid:142/mo · Rehab mid: 86,010 · Lead paint: Very High · Wiring: likely knob & tube · Asbestos: possible. None of this appears on the listing.