Choose your level of due diligence
Three tiers cover the full home-buying arc — from a 60-second pre-tour sanity check to a full under-contract audit. Pay once per address, no subscription.
Free Snapshot
60-second address-level overview. No email required.
- Top 3 hazard flags for the address
- County-level composite risk position
- Lower-risk alternatives within 25 miles
- No account or email required
Best for: pre-tour curiosity check
Delivered: instantly in browser
Federal data: FEMA, USGS, NOAA, USDA, EPA
Full Report
12-page address-level deep dive delivered in minutes.
- Everything in Free
- Five-hazard score breakdown (flood, wildfire, hurricane, earthquake, heat)
- 30-year federal climate projections (FEMA, NOAA, USGS, EPA)
- Insurance premium estimate (range) based on state DOI filings
- Clear buy / negotiate / walk-away verdict, not a single ambiguous score
- 3 comparable lower-risk neighborhoods within 25 miles
- Saves you 6+ hours of digging through FEMA, NFIP, NRI and NOAA on your own
- Explains what SFHA, BFE, EAL and residual-market mean in plain English
- Single PDF you can hand to your partner, agent, or inspector in one share
Best for: pre-offer sanity check
Delivered: 5 minutes after payment
Federal data: FEMA, USGS, NOAA, USDA, EPA
Pre-Purchase Audit
Adds parcel-level flood evaluation, state insurance-market context, claim history, and a negotiation brief on top of the $19 report.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone + BFE considerations (point-in-polygon)
- State insurance market pressure + admitted-carrier density
- Premium Strain Index (% of county median income, vs. 5% unaffordable line)
- 10-year NOAA Storm Events claim history for the ZIP
- Negotiation leverage brief with 3-5 specific, evidence-backed asks
- Optional free connection to a licensed independent broker in your state
- Saves you from discovering an uninsurable address after you've gone under contract
- Removes guesswork on what to ask for in repairs, credits, or price reduction
- Analyst editorial sign-off so you can show your agent or lender a reviewed work product, not a raw export
Best for: under-contract buyers
Delivered: 24-hour analyst turnaround
Includes: editorial sign-off + 7-day refund
All tiers are pay-once, no subscription. Federal data citations are included in every report. The Pre-Purchase Audit's premium and insurance-market figures are educational ranges derived from state Department of Insurance filings; they are not insurance quotes. Need a custom B2B or bulk underwriter package? Contact our team.