The climate report your real-estate agent won't show you
Federal data, expert analysis, action recommendations. $19 snapshots in 5 minutes; $99 audits within 24 hours.
Live Sample Report
See the actual 12+ page report for Miami, FL
This is a real report generated with live federal data. Every section is what your $19 purchase delivers — only the address and customer name would be yours.
Live preview · auto-updated when federal data refreshes
Competitive Matrix
How we differ from Zillow's climate tab
A direct feature comparison — no spin.
Two ways to underwrite any US address
Choose your level of due diligence
Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).
Full Report
Tier L2
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.
- 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
Tier L3
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
Verified Feedback
What buyers say
"Helped me negotiate more realistically once I saw the flood and insurance exposure clearly."
Verified buyer · Florida
"The insurance estimate alone changed the math of the deal."
Verified buyer · California
"Clear, actionable, and grounded in real public data."
Verified buyer · Texas
Frequently asked questions
Ready to protect your capital
Ready to make a smarter $400K decision?
Climate intelligence backed by federal data. The $19 snapshot lands in 5 minutes; the $99 audit within 24 hours. Run a free address lookup, then unlock the depth that fits your buying stage.