Smarty
Address intelligence APIs for verified, geocoded, and enriched property data at enterprise scale.
Overview
Smarty is a US-based address intelligence company founded in 2011 by CEO Jonathan Oliver and headquartered in Orem, Utah. The company provides a suite of address verification, geocoding, and property data APIs that allow enterprises to validate addresses in real time, identify precise rooftop-level coordinates, and access over 350 property attributes for risk assessment and catastrophe modeling. Smarty is self-funded and profitable, processing billions of address lookups per day and trillions per year across 240+ countries and territories with no reported downtime.
In the insurance market, Smarty serves P&C carriers and agencies that need accurate, standardized address data for policy underwriting, FNOL intake, claims processing, and catastrophe modeling. The company integrates directly with major insurance platforms including Guidewire PolicyCenter and InsuranceNow, and Sapiens, making its address intelligence available within existing insurer workflows without requiring custom development. Notable enterprise customers include Microsoft, Netflix, and NASA, with the insurer segment growing through platform marketplace distribution.
Smarty's July 2025 launch of US Property Risk Data extended the platform's relevance to insurance, transforming FEMA's National Risk Index into structured, address-level hazard intelligence covering flood, fire, and other perils. This product enables insurers to assess location risk at the point of address entry during policy origination, supporting faster and more accurate underwriting decisions.
Products & Services
US Address Verification API
Core product that validates, standardizes, and enriches over 210 million US addresses in real time. Supports address completion with real-time prediction for use in policy applications and FNOL workflows.
Key Features
- USPS CASS-certified address validation and standardization
- Real-time address autocomplete for policyholder intake forms
- Batch processing for high-volume address operations
- Integration with Guidewire PolicyCenter via Guidewire Marketplace (released January 2026)
Target Users: P&C carriers, MGAs, TPAs processing policy applications and claims
Rooftop Geocoding
Provides precise latitude/longitude coordinates for every insured property. Assigns a persistent SmartyKey identifier to each location for consistent cross-system referencing.
Key Features
- Rooftop-accuracy geocoding (not parcel centroid)
- Persistent SmartyKey identifier for address continuity
- High match rates with fast response times
- Supports catastrophe modeling and hazard overlay
Target Users: Underwriting teams, cat modeling teams, claims adjusters
Property Attributes API
Access to 350+ structural, locational, and financial property attributes per address for detailed risk assessment.
Key Features
- 350+ attributes including square footage, construction type, age, and value
- Flood zone, fire risk, and hazard proximity data
- Supports automated underwriting and risk scoring models
- Available as a standalone API or bundled with address verification
Target Users: Underwriters, risk engineers, cat modelers
US Property Risk Data
API-based solution launched July 2025 that transforms FEMA's National Risk Index (NRI) into structured, address-level hazard intelligence.
Key Features
- Expected and historical loss ratios per hazard type
- Event frequency and exposure data by asset type
- Covers multiple perils including flood, wind, earthquake, and wildfire
- Delivers structured JSON responses suitable for automated UW rules engines
Target Users: P&C carriers and MGAs requiring peril-specific risk scoring at point of quote
International Autocomplete
Address autocomplete and verification for international addresses used in finance, healthcare, and insurance platforms.
Key Features
- Coverage across 240+ countries and territories
- HIPAA and ACA compliance support for US health insurance workflows
- Real-time suggestions as users type
Target Users: Carriers and TPAs with cross-border or global policy operations
P&C Insurance Suite
Integrated set of address and property tools pre-configured for policy management, FNOL, claims, and cat modeling workflows in the property and casualty segment.
Key Features
- Pre-built integrations with Guidewire and Sapiens platforms
- Workflow-specific API configurations for FNOL and cat event scenarios
- Consistent address data across policy, claims, and reinsurance systems
Target Users: P&C carriers and platform vendors building insurer-facing products
At a Glance
- Founded
- 2011
- Headquarters
- Orem, Utah, USA
- Employees
- 51-200
- Funding
- Bootstrapped
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Address Verification Property Data Geocoding Hazard Intelligence
- Insurance Verticals
- P&C Personal P&C Commercial Specialty/E&S
- Target Customers
- Carriers, MGAs/MGUs, TPAs
Customers
- VOLO (10+ year customer)
- Microsoft
- Netflix
- NASA
- Hundreds of P&C carriers and agencies (via Guidewire and Sapiens integrations)
Similar Companies
-
Relativity6 🤖AI-powered risk data platform for business classification, KYB verification, and commercial underwriting automation. -
RedZoneIntelligent wildfire and natural disaster intelligence for insurance, utilities, and emergency response. -
RRGAXTransforming the future of life insurance through innovation, technology, and strategic partnerships.
-
QuantumergeThe first AI-powered platform for M&A transactional risk insurance -- streamlining R&W underwriting from submission to binding. -
QQuanteeAI-driven insurance pricing software for carriers and MGAs -- acquired by Guidewire in 2025
-
PPrevisicoReal-time, property-level flood forecasting and intelligence for insurers and risk managers
Last updated: 2026-04-08