1-on-1 pre-purchase audit
For buyers under contract who want the deepest possible climate risk due diligence before closing. Parcel-level analysis, insurance carrier research, and a direct Q&A with our team.
How it works
Four-step audit process
- 01
Submit your address under contract
Provide the address and closing timeline. We confirm receipt within one business day.
- 02
Parcel-level federal data pull
FEMA NFHL point-in-polygon flood check, USDA WHP wildfire class, USGS PGA seismic, NOAA Storm Events claim history — all at the parcel level.
- 03
State insurance market + Premium Strain analysis
Admitted-carrier market pressure, residual-market (FAIR/Citizens) projected cost, and your premium-to-income ratio for the specific ZIP and state.
- 04
Negotiation leverage brief + broker connect
Written brief with specific, evidence-backed ask points. Optional free connection to a licensed independent broker in your state.
Two ways to underwrite your address
Pick the depth that fits your buying stage
The $19 report is your pre-offer sanity check. The $99 audit is the under-contract, broker-ready package with parcel-level flood evaluation, state insurance-market context, and a negotiation brief.
Full Report
Tier L2
12-page address-level deep dive delivered in minutes.
- Five-hazard score breakdown (flood, wildfire, hurricane, earthquake, heat)
- 30-year federal climate projections (FEMA, NOAA, USGS, EPA)
- Insurance premium estimate (range) based on state DOI filings
- Clear buy / negotiate / walk-away verdict, not a single ambiguous score
- 3 comparable lower-risk neighborhoods within 25 miles
- Saves you 6+ hours of digging through FEMA, NFIP, NRI and NOAA on your own
- Explains what SFHA, BFE, EAL and residual-market mean in plain English
- Single PDF you can hand to your partner, agent, or inspector in one share
Best for: pre-offer sanity check
Delivered: 5 minutes after payment
Federal data: FEMA, USGS, NOAA, USDA, EPA
Pre-Purchase Audit
Tier L3
Adds parcel-level flood evaluation, state insurance-market context, claim history, and a negotiation brief on top of the $19 report.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone + BFE considerations (point-in-polygon)
- State insurance market pressure + admitted-carrier density
- Premium Strain Index (% of county median income, vs. 5% unaffordable line)
- 10-year NOAA Storm Events claim history for the ZIP
- Negotiation leverage brief with 3-5 specific, evidence-backed asks
- Optional free connection to a licensed independent broker in your state
- Saves you from discovering an uninsurable address after you've gone under contract
- Removes guesswork on what to ask for in repairs, credits, or price reduction
- Analyst editorial sign-off so you can show your agent or lender a reviewed work product, not a raw export
Best for: under-contract buyers
Delivered: 24-hour analyst turnaround
Includes: editorial sign-off + 7-day refund
Safe-harbor disclaimer
The Pre-Purchase Audit is an educational aggregator of public federal and state insurance department data. It does not constitute a binding insurance quote, formal real-estate appraisal, or licensed insurance advice. Premium estimates are directional ranges from state Department of Insurance filings. Actual availability, premiums, and policy terms are determined solely by admitted carriers and licensed agents upon formal application. Risk Before Buy is not an insurance agency, broker, or underwriter.