Disaster Risk Report logo Disaster Risk Report.

Built on FEMA's National Risk Index

Before you buy a home, know what it's exposed to.

Standard insurance won't cover flood or earthquake, and in wildfire country some homes are getting hard to insure at all. Before you commit to an address, check what it's actually exposed to, from FEMA's own risk data.

Know before you sign, not after All 18 hazards, not just the obvious The coverage you'll actually need

Check an address

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Why it matters

The exposure a listing never shows you.

A listing gives you beds, baths, and a price. It doesn't tell you whether the ground shakes, the creek rises, or the hillside burns, and those are the things that flood a basement, total a home, or push a premium out of reach. It's the easiest part of the decision to skip, right up until it's the one that costs you. And you can check it in a minute.

So you can act on it

FEMA already scored your address. Now you can read it.

FEMA's National Risk Index rates every US location, but it's built for planners, not buyers. We turn it into one plain-English page you can read in a minute and take to your agent or insurer.

01

Overall risk rating

FEMA's composite natural-disaster rating for the address, from Very Low to Very High.

02

National percentile

Where this location ranks against every other US community, so the rating has context.

03

All 18 hazards

A rating for each: wildfire, riverine and coastal flooding, earthquake, hurricane, tornado, heat, drought and more.

04

What stands out

The hazards that rate highest here, pulled to the top, so you know where to focus.

05

What it actually means

A straight explanation of what the index measures (expected loss, not raw odds) so you don't misread it.

06

What to do next

Which coverage the top hazards call for, and the mitigation worth doing before you need it.

A sample

One address, its whole hazard profile.

This is the at-a-glance grid you get, plus the plain-English breakdown behind it. Your address replaces every value.

See my home's risk · $19
233 S Wacker Dr, Chicago, IL
SAMPLE
Overall riskRelatively Moderate
Cold wave
Very High
Tornado
Very High
Heat wave
Rel. High
Earthquake
Rel. Moderate
Riverine flood
Rel. Low
Wildfire
No Rating

Read this before you buy the report

What the score measures, honestly.

The National Risk Index is not a measure of how likely a disaster is. It is a measure of expected annual loss: FEMA blends how often a hazard occurs, how much is in harm's way, how vulnerable the community is, and how well it can recover, into one number. That has two honest consequences we put right on the page:

  • A quiet, low-population area can rate "Relatively Low" overall even where a hazard is genuinely present, because there is simply less to lose. That's why the report shows every hazard's own rating, not just the headline.
  • A high overall rating often reflects a dense or high-value area as much as raw hazard frequency. It's a planning signal to act on, not a forecast of the next event.

We'd rather you understand that up front than feel misled after. It's FEMA's index, presented straight, so you can read it correctly and take it to your insurer.

How it works

Address in, risk profile out.

Step 1

Enter your address

We pinpoint your exact location, not just your ZIP code.

Step 2

We read FEMA's index

We pull the National Risk Index scores for your census tract.

Step 3

You get the PDF

Overall rating, national percentile, all 18 hazards, and what to do, in seconds.

See my home's risk · $19