DOMI Score™ is a composite property intelligence metric built from six verified data sources. We believe buyers deserve to know exactly how their risk score is calculated.
// DOMI Score calculation (0–100)
DOMI = Disaster(30%) + Operational(25%)
+ Market(25%) + Infrastructure(20%)
// Crime score adjusts final output ±3 points
DOMI_final = clamp(DOMI_composite + crime_adj, 0, 100)
DOMI Score → Grade Conversion
Evaluates exposure to natural disasters — primarily flood risk via FEMA NFHL zone classification, historical flood event data, distance to flood sources, and NFIP insurance requirement. Secondary signals include hurricane proximity scores and wildfire interface designation.
Scoring Factors
Data Sources
Quantifies the ongoing financial burden of property ownership beyond the mortgage. Factors include insurance premium as a percentage of home value, effective property tax rate, HOA assessment risk, and deferred maintenance signals from permit history.
Scoring Factors
Data Sources
Measures price trajectory and market liquidity using recent comparable sales data. Signals include 1-year and 5-year price appreciation, days-on-market (DOM) velocity, and list-to-sale price ratio — all key indicators of demand strength.
Scoring Factors
Data Sources
Assesses the physical condition and system health of the property based on permit history. Open or unfinaled permits are a significant negative signal. System replacement dates for roof, HVAC, electrical, and plumbing are parsed from permit descriptions to estimate remaining useful life.
Scoring Factors
Data Sources
FEMA NFHL
Federal DatasetUpdated: Quarterly
Official US government flood zone maps. Used to determine flood insurance requirements and parcel-level flood risk.
ATTOM Data
Commercial Data ProviderUpdated: Weekly
Deed records, tax assessments, comparable sales, and ownership history for 150M+ US properties.
Crimeometer
Analytics ProviderUpdated: Daily
Incident-level crime data normalized to per-100K rates. 12-month trend analysis and category breakdowns.
GreatSchools
Education DataUpdated: Annually
District and school-level ratings based on state assessment data, equity metrics, and academic outcomes.
BuildZoom
Permit AggregatorUpdated: Monthly
Permit records aggregated from 3,000+ US jurisdictions. Covers building, electrical, plumbing, and mechanical permits.
State Insurance Filings
Regulatory DataUpdated: Annually
Carrier rate filings and risk tier classifications by ZIP code. Used to generate insurance premium estimates.
Every BeforeYouBuy Homes report includes a Confidence Score (0–100%) that reflects data availability and freshness. Reports with more complete data receive higher confidence ratings and more granular AI analysis.
Base confidence (always present)
Geocoding + FEMA zone + basic crime
FEMA historical events data
Specific flood event record found
Full permit history (1+ records)
County permit records available
12-month crime trend data
Full Crimeometer monthly breakdown
Last sale date on record
ATTOM deed transfer data confirmed
3+ insurance carrier quotes
Carrier-level pricing available for ZIP
BeforeYouBuy Homes AI narratives are generated from structured property data using a template-based language engine (production: Claude API). They are designed to help buyers understand complex data — not to replace professional judgment.
DOMI Scores and AI recommendations are informational only and do not constitute professional real estate advice, legal advice, financial advice, or insurance advice. Scores reflect publicly available data at the time of report generation and may not reflect conditions at the specific parcel level.
Always consult licensed professionals — a certified home inspector, real estate attorney, licensed insurance agent, and a qualified real estate agent — before making any property purchase decision.
BeforeYouBuy Homes is not affiliated with FEMA, HUD, or any government agency. DOMI Score™ is a proprietary BeforeYouBuy Homes metric and trademark.