FAQ
Is this official, or affiliated with FEMA?
No. Disaster Risk Report is an independent tool. We are not affiliated with FEMA or any government agency, and the report is not an official disaster determination. We read FEMA's public National Risk Index for your address and present it in plain English, with the source cited on the page so anyone can check it.
Does a low rating mean I'm safe?
Not necessarily, and this is the most important thing to understand. FEMA's index measures expected annual loss, not the likelihood of a disaster. It blends how often a hazard occurs with how much is exposed and how well the community can recover. A quiet, low-population area can rate "Relatively Low" overall even where a hazard is genuinely present, simply because there is less to lose. Always read the per-hazard ratings, not just the overall headline.
Is the report about my exact house or my area?
It is tract-level. We pinpoint your address with the US Census geocoder, then read FEMA's ratings for the census tract your home sits in. That describes your neighborhood accurately, but it is not a survey of your individual lot. For anything that turns on your exact parcel, such as a flood-zone determination or elevation, confirm it with the authoritative source.
Which hazards are covered?
All 18 that FEMA's National Risk Index tracks: wildfire, riverine flooding, coastal flooding, earthquake, hurricane, tornado, heat wave, cold wave, drought, hail, lightning, strong wind, winter weather, ice storm, landslide, avalanche, tsunami and volcanic activity. Each gets its own rating in your report, with the highest ones pulled to the top.
Does this replace flood or earthquake insurance advice?
No. It is a starting point, not a substitute for a licensed insurance or flood-zone professional. Use it to see which hazards stand out for a location and to know which questions to ask, then confirm coverage, flood zone and specifics with your insurer or agent.
Can the rating change?
Yes. FEMA updates the National Risk Index periodically as hazard data, exposure and population shift over time. Your report reflects the current index at the moment you run it, which is why we show a review date on the page.
Do you offer refunds?
We confirm your address returns a valid FEMA result before you are charged, so you know a report exists for that location before any money changes hands. Because the PDF is generated and delivered instantly, it is not refundable once produced. If something goes wrong on our end and you do not receive your report, email us and we will make it right.
Reviewed 1 July 2026.
