1
Enter an address
Resolve a U.S. property location so the report starts with the address, not a ZIP-code average.
From Address to Answer
Four steps, no account wall.
The report starts with the property itself, then checks supported public data sources and explains what was found.
2
Resolve property geography
Determine the state, county, coordinates, and geography needed for supported source lookups.
3
Check public hazard information
Query supported public datasets for flood, wildfire, earthquake, and wind or storm context.
4
Translate the result
Return plain-language property context with source information close enough to verify.
Sources & Trust
Built from public sources, not a black box.
Hazard Clarity summarizes public information so the answer can be reviewed, explained, and checked against the source.
We keep the source visible.
Each supported category is designed to show what was found, why it may matter, and where the information came from.
Why this matters
A source-aware report is easier to audit, easier to explain, and more useful before a decision becomes expensive.
FEMA
Flood mapping and national hazard datasets used for flood and storm context.
USGS
Seismic design-value information used to frame earthquake context by address.
U.S. Forest Service
Wildfire hazard potential data used to interpret wildfire context around a property.
U.S. Census Bureau
Primary address and county resolution. When needed, a qualifying Mapbox match can locate an address after you confirm it. Reports identify the location source and its limits.
Report Example
The report is the product.
The goal is to show useful property context first, before any optional professional follow-up.
Source-cited property summary
What we found
Mapped flood information confirms the property sits in a FEMA zone that deserves a closer look before relying on assumptions.
Why it matters
That context can affect how buyers, owners, and professionals frame flood questions, insurance planning, and future resilience work.
What to consider
Review the source map directly, confirm elevation or mitigation details, and use the report as a starting point for deeper due diligence.
Source
FEMA National Flood Hazard Layer and related FEMA map tools.
Summary first. Detail when needed.
Hazard Clarity is designed to make the initial answer readable, then preserve enough detail for verification and follow-up.
Plain-language interpretation
Each category translates raw public data into a readable explanation without pretending to replace a specialist.
Source stays visible
The report keeps the underlying source close enough that a user can verify the answer when needed.
Next steps stay calm
The report frames what deserves attention without trying to manufacture urgency.
Fail Closed
We don't guess.
If Hazard Clarity cannot confirm information from a supported source, the report says that instead of treating missing data as favorable.
Missing information is not the same as no issue found.
A data gap should be visible because it changes how much confidence a user should place in the result.
The report is meant to explain context, not manufacture a verdict about whether a property is safe, unsafe, insurable, or uninsurable.
More information may be needed: used when a supported source cannot confirm the relevant information.
Source limitations stay visible: missing or unavailable data is not quietly converted into a positive result.
Plain-language next steps: the report frames what to verify without creating alarm.
Optional Professional Help
The report comes first.
You can review the property report whether or not you choose to request help from a participating licensed insurance professional.
Nothing is shared with a professional unless you explicitly ask and submit the consent step.
FAQ
Common questions.
Short answers for what the report is, what it is not, and what happens if you request professional help.
Is Hazard Clarity actually free?
Yes. There is no cost, no account, and no paywall to see your report. Hazard Clarity is supported by professional partnerships, market services, and intelligence products rather than charging consumers to access property information.
Where does the hazard data come from?
FEMA's National Flood Hazard Layer, the USGS National Seismic Hazard Model, the U.S. Forest Service's Wildfire Hazard Potential dataset, and FEMA's National Risk Index are the core public sources used by the current report.
Is this an insurance quote?
No. It is a plain-language summary of public hazard data. It is not an insurance quote, coverage recommendation, engineering opinion, flood determination for lending purposes, or guarantee of insurability.
What happens if I request a licensed professional?
Only if you submit the professional-help request and consent step can your information be routed to a participating licensed insurance agency partner. The report remains available whether or not you request follow-up.