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
Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.
- Everything in Free
- Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
- 30-year federal climate projections for heat, wildfire, and sea level rise
- Insurance premium estimate range based on state DOI filings
- Clear buy / negotiate / walk-away recommendation with plain-language reasoning
- Comparable lower-risk communities within 25 miles (up to 3 when available)
- Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
- Single PDF you can share with your partner, agent, or inspector
Best for: pre-offer sanity check
Delivered: PDF by email within 5 minutes
Federal data: FEMA, USGS, NOAA, USDA, EPA
Pre-Purchase Audit
Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
- State insurance market analysis: admitted carrier share, exit rate, residual market growth
- Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
- 10-year NOAA Storm Events claim history for the ZIP code
- Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
- Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
- Identifies whether the property may become hard to insure before you close
- Gives you specific talking points for price, credits, and contingency negotiation
Best for: under-contract buyers
Delivered: PDF by email within 24 hours
Includes: 7-day no-questions-asked refund
All tiers are pay-once, no subscription. Every paid report is backed by a 7-day no-questions-asked money-back guarantee. Federal data citations are included in every report. Insurance premium and market figures are educational estimates derived from state Department of Insurance filings — they are not insurance quotes. Consult a licensed insurance professional for actual quotes. Contact our team for B2B or bulk pricing.