Residential property intelligence at portfolio scale.
One API turns an address into a standardized property profile and a property-level view of physical climate risk — for banks, insurers, municipalities and governments.
A property intelligence API with key insights on every home.
Retrieve property intelligence including energy, carbon, fire, wind and flood risk, upgrade potential, energy savings, loan valuation estimates and retrofit opportunities through a single REST API. Built for Canada. Expanding across North America.
Book a Demo- Fire risk
- Moderate
- Flood risk
- Low
- Wind risk
- Moderate
- Airtightness
- 6.4 ACH
- Lightspark Score
- 62 / 100
- Energy
- 67 GJ / year
- Carbon
- 2.4 tCO₂e
- Heat Pump
- Eligible
- Potential Energy Savings
- $1,100 / year
The home, the risk around it, and what can be done about it.
Lightspark API
Tells you about the home.
Building characteristics, energy and carbon performance, operating costs and retrofit economics.
HorizonIQ
Tells you about the risk.
Property-level wildfire, flood and wind hazard, probability, future climate scenarios and financial impact.
HomeIQ
Connects the two.
Move beyond identifying risk to identifying the opportunities that reduce it.
Understand the home.
An address becomes a standardized residential profile: building characteristics, energy and carbon performance, HVAC and envelope, energy costs, retrofit opportunity, retrofit economics and property valuation.
GET /v1/property?address=...
{
"dwelling_type": "single_detached",
"floor_area_m2": 168,
"energy_score": 71,
"carbon_score": 64,
"heating_fuel": "natural_gas",
"annual_savings_cad": 940,
"payback_years": 8.4
}| Category | Example parameters |
|---|---|
| Property | Dwelling type · Floor area · Building age · Location |
| Energy & carbon | Energy Score · Carbon Score · Energy intensity · Carbon intensity |
| Building | Heating fuel and system · Heating efficiency · Insulation · Airtightness |
| Economics | Estimated energy costs · Energy savings potential · Retrofit cost · Annual savings · Payback · Carbon reduction |
And more. Many additional property, building, energy, carbon, financial and retrofit parameters are available through the API.
Book a meeting to review the complete HomeIQ data dictionary
Understand the risk.
Property-level physical climate intelligence for financial institutions, insurers and governments, across five primary hazards.
| Category | Example parameters |
|---|---|
| Risk | Annual hazard probability · Risk score · Hazard intensity |
| Probability | Annual Exceedance Probability · 10-, 30-, 50- and 100-year return periods · Confidence intervals |
| Future climate | Climate scenario projections · Multiple SSP pathways · Projections through 2100 |
| Financial risk | Expected financial impact · Value at Risk · Tail-risk loss |
And more. Additional hazard distributions, scenario outputs, geospatial layers, compound-risk metrics and model-validation parameters are available through the API.
Book a meeting to explore the complete HorizonIQ datasetOne property. A complete intelligence layer.
HomeIQ connects intelligence about the physical home with intelligence about the climate hazards acting upon it — so organizations can move beyond identifying risk and begin identifying opportunities to reduce it.
- 1Lightspark API
Understand the home
- Building
- Energy
- Carbon
- HVAC
- Envelope
- Operating costs
- Retrofits
- 2HorizonIQ
Understand the risk
- Wildfire
- Flood
- Wind
- Future climate
- Probability
- Financial loss
- 3HomeIQ
Find the opportunity
- Reduce risk
- Reduce energy costs
- Reduce carbon
- Prioritize investments
- Finance upgrades
- Future-proof homes
Built for regulated portfolios.
Banks
Understand the homes behind the mortgage portfolio.
- Climate-risk analysis
- OSFI B-15
- Financed-emissions analysis
- Portfolio decarbonization
- Retrofit lending
- Resilience financing
Insurance
Move from pricing climate risk to reducing it.
- Underwriting
- Portfolio risk
- Loss prevention
- Home-hardening programs
- Resilience incentives
- Climate reporting
Municipalities & government
Understand residential buildings at scale.
- Housing stock
- Energy performance
- Carbon emissions
- Climate vulnerability
- Retrofit potential
- Resilience investment
Turn climate data into actionable risk intelligence.
HomeIQ combines physical climate-risk intelligence from HorizonIQ with energy, carbon and property intelligence from the Lightspark API. The combined dataset can support climate-risk management, scenario analysis, portfolio aggregation, financed-emissions analysis and OSFI B-15 reporting.
Talk to us about OSFI B-15Built for portfolio-scale integration.
Query an individual property or enrich an entire residential portfolio using Lightspark’s API infrastructure.
Lightspark API
Housing intelligence
HorizonIQ
Climate intelligence
Residential intelligence at national scale.
Lightspark maintains residential intelligence covering millions of Canadian homes, with coverage continuing to expand.
Built on data science, physics and AI.
AI & machine learning
Residential energy estimation, property inference and climate modelling.
Geospatial intelligence
Property-level location intelligence, H3 spatial indexing and high-resolution hazard layers.
Probabilistic climate models
Full probability distributions, return periods and future climate scenarios.
Auditable outputs
Traceable data sources, model methodologies, confidence metrics and validation.
What could HomeIQ tell you about your portfolio?
This page shows only a subset of the intelligence available through HomeIQ. Meet with Lightspark to review the complete dataset.
- Complete API parameter dictionary
- Data coverage
- Property-level sample outputs
- HorizonIQ hazard outputs
- Climate scenarios
- Retrofit and financial metrics
- Portfolio integration
- API architecture
- Licensing