Enter any U.S. street address to get an independent, science-based hazard report covering flood, wildfire, wind, hail, heat, earthquake and more, scored at the exact rooftop, with a street-level photo of the property.
Values are read from the underlying hazard grids at the geocoded address point, not averaged over a ZIP code or county.
Each hazard gets a 1–10 score from its own peer-reviewed or agency dataset. The report ranks them for this address and names the ones worth acting on, rather than averaging unlike things into a single grade.
A point-in-polygon lookup against FEMA's National Flood Hazard Layer, the map that determines whether a lender requires flood insurance.
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How deep would the water get in a severe flood?
Why this matters: A depth above roughly 0.3 m (1 ft) at the building footprint usually means structural flood damage, not just a wet yard.
— Water depth in a flood with a 1% chance in any year
Technical details and sources → See this hazard on the map →
How far above high tide does this property sit?
Why this matters: Negative or near-zero values indicate land already at or below high tide. Expect nuisance flooding and rising insurance costs.
— Ground height above the local high-tide line
Technical details and sources → See this hazard on the map →
What does the official flood map say?
Why this matters: Any zone beginning with A or V means a mortgage lender requires flood insurance. Zone X is not a guarantee of safety: roughly a quarter of federal flood claims come from outside the high-risk zones.
— Official FEMA designation
How likely is this location to burn?
Why this matters: Insurers increasingly price, or decline, on this. Worth pairing with a look at the defensible space around the house and what the roof is made of.
— Chance of burning in any given year
Technical details and sources → See this hazard on the map →
How hard does the wind blow here in a bad storm?
Why this matters: Above about 110 mph, roof tie-downs, garage doors and window protection dominate whether a house survives intact.
— Strongest gust in a severe storm
Technical details and sources → See this hazard on the map →
Is this tornado country?
Why this matters: The 25-mile radius reflects how narrow tornado tracks are. It measures the neighborhood’s climate, not the odds for this specific roof.
— Chance of a strong tornado within 25 miles per year
Technical details and sources → See this hazard on the map →
How often do widespread thunderstorm windstorms hit?
Why this matters: The classic cause of "the whole street lost its trees and power for a week".
— Widespread windstorms per year
Technical details and sources → See this hazard on the map →
How electrically active are the storms here?
Why this matters: Mostly a prompt for surge protection on well pumps, HVAC and home electronics.
— Hours of thunder per year
Technical details and sources → See this hazard on the map →
Will hail wreck the roof?
Why this matters: Hail is the single largest driver of roof-replacement claims in the central US, and a common reason for high deductibles.
— Chance of 2-inch-plus hail per year
Technical details and sources → See this hazard on the map →
How hot does it actually get?
Why this matters: Sets how much cooling the house needs, and in older housing stock, whether it stays habitable through a heat wave at all.
— Hottest day in a typical decade
Technical details and sources → See this hazard on the map →
Is the heat here the dangerous, humid kind?
Why this matters: Where this runs high, air conditioning is a safety system rather than a comfort, and a summer power cut becomes a health problem rather than an inconvenience.
— Worst combination of heat and humidity
Technical details and sources → See this hazard on the map →
How cold does it get?
Why this matters: Sets the bar for pipe-freeze protection, insulation, and back-up heat.
— Coldest night in a typical decade
Technical details and sources → See this hazard on the map →
How hard would the ground shake?
Why this matters: Above about 0.2 g, foundation bolting and cripple-wall bracing are the retrofits that matter most for older houses.
— Ground shaking in a rare, severe earthquake
Technical details and sources → See this hazard on the map →
Is the slope stable?
Why this matters: On sloped ground, elevated values are the point at which a geotechnical report stops being optional. An engineer reads the slope itself rather than the map of it.
— How prone this terrain is to slipping
Technical details and sources → See this hazard on the map →
Is the ground under the house going down?
Why this matters: Sinking ground quietly deepens any future flood over the decades, and is a known cause of foundation cracking.
— Rate the ground is sinking
Technical details and sources → See this hazard on the map →
Could the water supply run short?
Why this matters: A basin-scale screen. It does not know about this property’s well, reservoir, or water rights. Check those separately.
— Drought severity, ranked against basins worldwide
Technical details and sources → See this hazard on the map →
How often is the air here unhealthy to breathe?
Why this matters: This is the hazard on the page that acts on the people rather than the building, every year, without a storm to announce it. It matters most for children, older people and anyone with asthma or a heart condition, and it is the one a good filter and a well-sealed house can genuinely reduce.
— Unhealthy-air days a year, with the worst days counted more
What will it cost to keep cool?
Why this matters: This is how much cooling the climate asks for over a whole year, not how hot it gets on the worst day. Extreme Heat answers that. Compare the estimate with your recent utility bills; if you are considering the property, ask for the previous 12 months.
— How much cooling this climate needs
Technical details and sources → See this hazard on the map →
What will it cost to keep warm?
Why this matters: Compare this estimate with your recent utility bills. If you are considering the property, ask for the previous 12 months. This measures the climate, not the building’s efficiency.
— How much heating this climate needs
Technical details and sources → See this hazard on the map →
How loud is it outside?
Why this matters: Noise is the complaint people make about a house they already bought. It is also the one figure on this page you can check yourself: stand outside at rush hour, and again after dark.
— Average outdoor sound level over a full day
No usable result came back for these at this address. That is a limit of the data, not a finding about the property. Nothing below has been ruled out.
Switch the overlay to see how each hazard is mapped around the property. Drag the pin to re-score a different point, which helps when the geocoder lands on the street rather than the building.
Use two fingers to move the map.
| Coordinates | — |
|---|---|
| Community The city or county whose flood map covers this point. FEMA calls it the community jurisdiction. | — |
| Expected flood height How high FEMA expects water to reach here in a flood with a 1% chance of happening in any year, including in two consecutive years. Officially the Base Flood Elevation. | — |
| Height measured from The national reference surface that height is measured against. A surveyor needs it; nobody else does. | — |
| Flood map in effect since When the current official flood map for this location took effect. Older maps are likelier to be out of date. | — |
| Flood map panel number The reference number of the official map sheet covering this point. An insurer or lender may ask for it. | — |
| Scanned map sheet FEMA has not converted this area's flood map into digital data. This is the scanned paper sheet that is currently in effect, from FEMA's own map service. | Download the scanned panel → |
| Official FEMA maps FEMA's own map service, where the paperwork for this address can be downloaded. | Open FEMA's map service → |
Insurance policies and state programs vary and can change over time. Check your actual policy and current program requirements before making an insurance or home-improvement decision.