Address & flood zone
The Census Geocoder provides the address point. That point is tested against FEMA National Flood Hazard Layer polygons. The result is map context, not a lender determination.
METHOD & LIMITS
What the score does—and does not—say.
StormLedger organizes historical public records. It does not predict a future loss or replace an official flood determination.
Disaster & storm history
FEMA declarations and 15 years of NOAA Storm Events are matched at county or designated-area level. They do not prove a specific home was damaged.
Other hazards
NOAA event types supply wildfire, winter/cold and extreme-heat history. USGS earthquakes are measured within 100 kilometers of the address.
Historical Hazard Context Score: a transparent summary of records found, not an actuarial, insurance, appraisal or engineering risk score.