What is your address actually exposed to?
Wildfire, flood, wind, heat, water and crime at your exact address, read from the maps insurers use, then the house itself. Built with Defensible Homes and HomeDoc.
Your address goes to public government geocoding services only; we don't receive or store it.
Needs an address · about 30 seconds
Not an insurer, agent or broker. CoverScore doesn’t sell insurance.
A relative ranking of preparedness among households like yours — not a probability.
About 1 in 425 insured homes has a fire or lightning claim each year — average severity $83,991.
prop.fire.claim_freq
Homes that installed an automatic water shutoff had 96% fewer paid water-damage claims the following year; comparable homes without one had 10% more.
prop.water.shutoff_effect
One inch of floodwater causes roughly $25,000 in damage; the average NFIP claim payment exceeds $66,000.
prop.flood.severity
High wildfire hazard here. Dwelling limit is $126k below this rebuild-cost estimate.
Top flag: Bark mulch against the siding: the most common way a house ignites.
Illustrative numbers for Boulder, CO. Your report shows your own, with its confidence range. The score is a ranking, never a probability.
- on track
- watch
- act now
Nine hazards, weighted by how often each one causes a claim where you live.
An address gets you the area score in seconds. Tell us about the building (roof, vents, clearance) and the band narrows. A HomeDoc inspection narrows it to ±4, tight enough for an insurer’s mitigation discount.
Fire-severity zone, vegetation, embers path, Zone 0 clearance.
Weight 24% · read from USFS, NIFC, your photos
Flood zone, elevation above base flood, drainage.
Weight 18% · read from FEMA NFHL
Storm history, roof age and rating.
Weight 14% · read from NOAA, your answers
Water heater age, shutoff, plumbing.
Weight 12% · read from your answers
Heat days, backup power, cooling.
Weight 10% · read from NOAA NCEI
Property crime against the county median.
Weight 5% · read from FBI CDE
What stands out first
- highBark mulch against the sidingEmbers land in it and climb the wall.
- highAttic vents are not ember-ratedThe most common path for embers into an attic.
- highDwelling limit below rebuild costAfter a total loss you’d pay the difference.
- mediumNo water-backup endorsementSewer backup is excluded on a standard HO-3.
What you can do about it
- Clear Zone 0: gravel, no mulch, move firewood+6 pts (sample)Free / DIY$0–$150DIY
- Clear roof and gutter debris+4 pts (sample)Free / DIYfreeDIY
- Fit 1/8″ ember-resistant vent screens+5 pts (sample)Free / DIY~$180DIY or Defensible Homes
- Automatic water shutoff+4 pts (sample)$400–$900HomeDoc pro networkWe may earn a fee
- Hardening plan + FireShield certification+9 pts (sample)quotedDefensible HomesWe may earn a fee
CoverScore tells you where. HomeDoc knows the house. Defensible Homes hardens it.
- HomeDocKnow the house
Licensed inspections and a living record of your home: systems, upkeep and defects.
An inspection turns your area score into this house and narrows ±14 to ±4.
We may earn a fee
- Defensible HomesHarden it
Wildfire, flood and storm hardening plans, vetted crews and FireShield certification.
Finished work is re-scored, with the evidence insurers ask for to give a mitigation discount.
We may earn a fee
What your homeowners policy would and wouldn’t pay for.
Add your dec page and we set each hazard against your limits and exclusions. Most gaps show up in the same three places.
- Below estimateDwelling limit vs. rebuild costBuilding costs rose faster than most limits.
- Not coveredWater backupExcluded unless you add an endorsement, ~$90/yr.
- Not coveredFloodNever on a homeowners policy. NFIP or private flood.
- FreeFree option: Clear Zone 0: gravel, no mulch, move firewoodListed first in the fixes above. Nothing in this table is a recommendation to buy.
CoverScore provides general educational information about insurance, not insurance advice. We are not a licensed insurance agent, broker, or consultant. Figures shown are drawn from your own policy documents and from published sources, which are cited. For advice about your specific situation, talk to a licensed insurance professional.
Where the data comes from
11 places checked for this score. List last reviewed 2026-11-02.
- FEMA National Flood Hazard Layerreviewed 2026-11-02
- USFS Wildfire Risk to Communitiesreviewed 2026-11-02
- NOAA Storm Events Databasereviewed 2026-11-02
- NOAA Climate Data (heat days)reviewed 2026-11-02
- USGS Seismic Hazard Mapsreviewed 2026-11-02
- FBI Crime Data Explorerreviewed 2026-11-02
- EPA AirNowreviewed 2026-11-02
- EPA Safe Drinking Water (SDWIS)reviewed 2026-11-02
- NIFC Fire Perimetersreviewed 2026-11-02
- US Census ACSreviewed 2026-11-02
- County assessor recordsreviewed 2026-11-02
Four steps, free first
- Step 1
Add what it needs
Needs an address. About 30 seconds.
- Step 2
We check the sources
Public and licensed sources, each cited with its review date.
- Step 3
Read the score and its range
A ranking with an honest confidence band, never a bare number.
- Step 4
Start with the free fixes
Free and DIY options are listed before anything paid.
Plain answers
Is this the same as an insurer’s score?
No. We use the same public maps, but we show you every input and source. Insurers don’t.
Why do you need photos?
Area data can’t see your mulch or vents. Six photos narrow the band and catch the cheapest fixes.
Will this be shared with my insurer?
Never by us. If you want a mitigation discount, you choose what to send.
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