CALIFORNIA NATURAL HAZARD DISCLOSURE
The $23 NHD Report.
Every California county.
Full statutory disclosure for California 1-4 unit residential transactions. FEMA flood, CAL FIRE fire severity, CGS earthquake faults, liquefaction, landslide, tsunami, dam inundation, tax roll, Mello-Roos. Delivered to your inbox in under 60 seconds.
80%
Cheaper than JCP/FANHD
57%
Cheaper than the next disruptor
8+
Hazard layers checked per report
$10M
E&O coverage target
Same legal disclosure. A fraction of the price.
Every California NHD provider pulls from the same FEMA, CAL FIRE, CGS, DWR, and CalGEM datasets. We just don't charge $124 for it.
JCP-LGS / First American
$123.95
SnapNHD
$99.95
NHD.report
$53.99
NHD23
$23.00
How it works
Enter the address
ZIP, street, city. Takes 10 seconds. No account needed for a sample.
We query 8 layers
FEMA NFHL, CAL FIRE FHSZ, CGS Alquist-Priolo + Liquefaction + Landslide + Tsunami, DWR Dam Inundation, CalGEM wells, plus parcel + tax roll from county records.
Pay $23, get the PDF
Stripe checkout, instant. Email with PDF link arrives in under 60 seconds. C.A.R.-compatible NHD Statement on page 1, ready to sign.
Substituted disclosure
Civil Code §1103.4 substituted-disclosure authority. Seller and agent are off the hook — we carry the E&O.
What's in your NHD23 report
Page 1 is the statutory California NHD Statement — the form that gets signed at escrow. The other 20+ pages are the supporting data, with color-coded IS / IS NOT determinations and source citations for every hazard.
Special Flood Hazard Area
FEMA NFHL
Very High Fire Hazard Severity Zone
CAL FIRE FRAP
Earthquake Fault Zone
CGS Alquist-Priolo
Liquefaction Zone
CGS Seismic Hazards
Landslide Zone
CGS Seismic Hazards
Tsunami Hazard Area
CGS Tsunami Maps
Dam Inundation
DWR / Cal OES
Oil & Gas Wells (within 500 ft)
CalGEM WellSTAR
AB-38 Fire Hardening
Civ. Code §1102.6f
City/County local hazards
58 county overlays
Tax roll + assessed value
County assessor
Mello-Roos / 1915 / PACE
County tax bill
FLAT-FEE PRICING
$23 per report
One price. Every California 1-4 unit residential property. No discounts, no tiers, no surprise add-ons. Tenant flood reports are free, forever.
Pay-at-close-of-escrow available for active California real estate agents and brokerages. Volume discounts negotiated for 500+ reports/year.
Built on the same data the incumbents use
Every California NHD provider pulls from the same authoritative state and federal datasets. JCP, First American, SnapNHD — all of them. There's nothing proprietary about the source data, and we don't pretend otherwise. What you're paying $100+ for at other vendors is the PDF wrapper and the channel relationship with title companies.
We took the wrapper and made it $23.
Data sources
- FEMA National Flood Hazard Layer
- CAL FIRE FRAP Fire Hazard Severity Zones
- California Geological Survey (Alquist-Priolo, Seismic, Tsunami)
- DWR Division of Safety of Dams inundation maps
- CalGEM WellSTAR oil & gas well registry
- CDIAC DebtWatch Mello-Roos CFD registry
- 58 California county assessor & tax-collector records
- ATTOM Property Data Solutions (parcel + tax roll)
Common questions
Is a $23 NHD report legally valid in a California escrow?
Yes. California Civil Code §1103.4 grants 'substituted disclosure' authority to any third-party report provider exercising good faith. The legal validity comes from the form on page 1 of the report — not the price. Our report follows the §1103.2 statutory form verbatim and is signed by the same parties as any other NHD.
How do you carry E&O insurance at this price?
The economics are different from the title-channel vendors. JCP and FANHD price NHD as a small line item inside a $5,000-$15,000 title escrow file — they're not optimizing for unit economics. We are. Our target tower is $10M, equivalent to MyNHD and Property I.D.
What counties do you cover?
All 58. Our hazard layers (FEMA, CAL FIRE, CGS, DWR, CalGEM) are statewide. Tax-roll and Mello-Roos coverage is excellent in the top 15 counties (~85% of California transactions) and improving every month for the tail.
Are tenant flood reports really free?
Yes. Per Government Code §8589.45, landlords of properties in a FEMA Special Flood Hazard Area must give tenants written notice. We provide this report for free indefinitely as a thank-you to California renters.
When can I run my first paid report?
We're in soft launch. Drop your email below and you'll be first in line when general availability opens.
Be first in line.
We're onboarding agents and brokerages now. Drop your email and we'll send you a free sample report — and notify you the day general availability opens.