1-on-1 pre-purchase audit
For buyers under contract who want the deepest possible climate risk due diligence before closing. Parcel-level analysis, insurance market research, and a negotiation brief with specific talking points.
How it works
Four-step audit process
- 01
Submit your address under contract
Provide the address and closing timeline. We confirm receipt within one business day.
- 02
Parcel-level federal data pull
FEMA NFHL point-in-polygon flood check, USDA WHP wildfire class, USGS PGA seismic, NOAA Storm Events claim history — all at the parcel level.
- 03
State insurance market + Premium Strain analysis
Admitted-carrier market pressure, residual-market (FAIR/Citizens) projected cost, and your premium-to-income ratio for the specific ZIP and state.
- 04
Negotiation leverage brief
Written brief with specific, evidence-backed seller-concession asks you can use in price negotiations (typically 3–5; fewer when data is limited).
Two ways to underwrite your address
Pick the depth that fits your buying stage
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
Sample L3 Audit
Preview a real Pre-Purchase Audit
Download a real Miami, FL L3 audit to see parcel-level flood verification, state insurance-market context, NOAA Storm Events claim history, and a negotiation leverage brief.
Safe-harbor disclaimer
The Pre-Purchase Audit is an educational aggregator of public federal and state insurance department data. It does not constitute a binding insurance quote, formal real-estate appraisal, or licensed insurance advice. Premium estimates are directional ranges from state Department of Insurance filings. Actual availability, premiums, and policy terms are determined solely by admitted carriers and licensed agents upon formal application. Risk Before Buy is not an insurance agency, broker, or underwriter.