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[withheld] — Spectrally-derived property-level physical-risk feature set: per-structure measurements extracted from fused satellite/aerial/drone imagery rather than modelled scores — roof material composition, siding/structure material, defensible-space vegetation by regulatory zone (Zone 0 ember-resistant 0-5ft, Zone 1 5-30ft, Zone 2 30-100ft), canopy overhang, tree density and tree-to-structure distance, and vegetation moisture (NDMI from Sentinel-2 plus a live fuel moisture content proxy). Each measurement carries provenance (source imagery, acquisition date, processing details) and is re-obs…