Your insurer already scored this house. Now you can too.
Wildfire, flood, wind, and water exposure for one specific address — built from the same public hazard data actuaries use, then sharpened by what only you can see from your own roof.
Where is the property?
Enter any US address and see the county-level wildfire, flood, and wind rating in seconds — automated from public hazard layers, no account and no personal data required for the free score.
Your address goes to public government geocoding services only; we don't receive or store it.
Public data first, your house second.
Area risk is automated and needs nothing from you. Everything after that narrows the confidence band — the number moves less than the uncertainty does.
Public hazard data
Wildfire, flood, and wind exposure from public hazard layers, resolved to your address. No account needed — this is the free score.
What you tell us
Roof age, mitigation steps already taken, a few photos. Each answer narrows the band toward your actual house, not the neighborhood average.
An inspection
The tightest band comes from someone standing on your roof. This is the only paid step in Property, and it's optional.
6 hazards, scored separately
A single property number hides which hazard is actually driving it. These stay separate — each stat below cites its own source.
More than 40% of NFIP flood claims come from homes OUTSIDE mapped high-risk zones.
About 1 in 60 insured homes has a water-damage or freezing claim each year — roughly 7x more frequent than fire.
same denominator, both figures
In the Camp Fire, homes more than ~60 feet from a destroyed structure survived at 6x the rate of closer homes — 35% vs 6%.
same denominator, both figures
Not yet scored: extreme heat, water quality, electrification, structural. We don't publish a hazard module until it has a cited source behind it — see the data gaps page.
Where the insurance market itself is already moving
Published, dated figures — not a forecast. Bands render exactly as published; nothing here is smoothed or re-binned.
California's FAIR Plan grew 157% in four years — from ~272,000 policies (2022) to 696,562 (June 2026), with exposure up 150% to $768B.
In 2023, Florida homeowners faced a 3-in-100 chance of insurer-initiated non-renewal — nearly 4x the 2018 rate; California 1.7 in 100.
Dollar figures, always paired — never freestanding fear
One inch of floodwater causes roughly $25,000 in damage; the average NFIP claim payment exceeds $66,000.
A home in a FEMA high-risk flood zone has a 1-in-4 chance of flooding at least once over a 30-year mortgage.
A free option is always ranked first when it works.
Ranked by how much each moves your score, not by what we earn. Every mitigation below cites the study it came from.
A ~$500 device against the most common homeowner claim.
Homes that installed an automatic water shutoff had 96% fewer paid water-damage claims the following year; comparable homes without one had 10% more.
Ask about FORTIFIED certification; several states offer premium credits.
In Hurricane Sally, FORTIFIED-certified homes had 55–74% fewer claims than conventional homes across 40,093 insured properties.
Harden the structure AND clear 0–9 m; hardening beats distance alone.
Modeled across 47,000 structures in five California fires: home hardening plus cleared Zones 0–1 raised survival from 25% to 48% — a hypothetical 52% loss reduction.
A house is not the only thing at that address
Contents Index shares the same hazard data and the same evacuation reality — it's the free tool that documents everything a Property claim would need to itemize.