Risk Breakdown
Every peril. Every property. In one Record.
CoverGuard pulls flood, fire, wind, earthquake, and crime data from authoritative public sources — and combines them into a single risk profile in under 90 seconds.
Explore each peril on the Sample Record
Five perils, shown on the Sample CoverGuard Record — a fictional property in Springfield, IL. Every fact names its source and its date, and anything modeled says so.
Flood
Property is outside the Special Flood Hazard Area with minimal historical flood events.
- CoverGuard peril level
- LowModeled estimate
- Source: CoverGuard's peril model, from the sources below · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- One input to the CoverGuard Score, not the Score itself.
- FEMA flood zone
- Zone X (FIRM panel 17167C0225E)
- Source: FEMA National Flood Hazard Layer · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Special Flood Hazard Area
- Outside the SFHA
- Source: FEMA National Flood Hazard Layer · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Outside the SFHA is not the same as no flood risk; it means flood cover is not federally required.
How to read this peril
- Source
- FEMA National Flood Hazard Layer, with OpenFEMA claims history
- Date
- Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Geographic resolution
- The property’s mapped location (one flood-map panel)
- Classification
- Observed, derived and modeled — the zone is observed; the level is modeled
- What it decides
- Decides whether a lender will require flood insurance, and whether to price flood cover into an offer.
- Limitation
- FEMA maps change slowly and can lag new construction and drainage. A map designation is not an elevation certificate.
- When to refresh
- Hazard sources are re-read when a Record is refreshed. A fact older than 180 days is shown with its age, as indicative rather than current. Refresh before you rely on one.
Fire
Low wildfire risk due to suburban setting and proximity to fire services.
- CoverGuard peril level
- LowModeled estimate
- Source: CoverGuard's peril model, from the sources below · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- One input to the CoverGuard Score, not the Score itself.
- Wildland-Urban Interface
- Not in a WUI zone
- Source: USFS Wildland-Urban Interface · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Cal Fire hazard severity zone
- Not applicable: Cal Fire maps California only, and this property is in IL
- Source: Cal Fire FHSZ · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
How to read this peril
- Source
- USFS Wildland-Urban Interface / Cal Fire FHSZ
- Date
- Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Geographic resolution
- The property’s location, against national and state fire maps
- Classification
- Observed, derived and modeled — the zones are observed; the level is modeled
- What it decides
- Decides whether wildfire is likely to narrow the carriers willing to write the home.
- Limitation
- A zone describes the surrounding land, not the home’s own defensible space or roof.
- When to refresh
- Hazard sources are re-read when a Record is refreshed. A fact older than 180 days is shown with its age, as indicative rather than current. Refresh before you rely on one.
Wind
Moderate wind risk with occasional severe thunderstorms and tornado activity.
- CoverGuard peril level
- ModerateModeled estimate
- Source: CoverGuard's peril model, from the sources below · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- One input to the CoverGuard Score, not the Score itself.
- Design wind speed
- 115 mphModeled estimate
- Source: Derived from the ASCE 7-22 wind maps by latitude and state · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- A regional design figure, not a measurement at this address.
- Tornado and hail exposure
- Tornado and HailModeled estimate
- Source: Derived: state-level default, confirmed by NOAA SPC reports where found · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- A state-level default unless nearby storm reports were found; the past is not a forecast.
How to read this peril
- Source
- Design wind speed estimated from ASCE 7-22 maps by state and latitude / NOAA Coastal Flood Hazard Composite, with state defaults confirmed by NOAA SPC storm reports where found
- Date
- Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Geographic resolution
- Regional for the design wind speed; state-level for tornado and hail unless nearby storm reports are found
- Classification
- Modeled estimate — the tornado and hail flags are derived from state defaults and nearby reports; the wind speed and level are modeled
- What it decides
- Decides whether to expect a separate wind or hail deductible, and how large.
- Limitation
- Roof age and construction move wind cost more than location does, and are not in this view.
- When to refresh
- Hazard sources are re-read when a Record is refreshed. A fact older than 180 days is shown with its age, as indicative rather than current. Refresh before you rely on one.
Earthquake
Elevated seismic risk due to proximity to the New Madrid Seismic Zone.
- CoverGuard peril level
- HighModeled estimate
- Source: CoverGuard's peril model, from the sources below · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- One input to the CoverGuard Score, not the Score itself.
- Nearest seismic zone
- About 120 miles from the New Madrid Seismic Zone
- Source: USGS Seismic Design Maps (ASCE 7-22) · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Site soil class
- Class D — Stiff SoilModeled estimate
- Source: USGS Seismic Design Maps (ASCE 7-22) · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- A mapped default for the area, not a soil test at the parcel.
How to read this peril
- Source
- USGS Seismic Design Maps (ASCE 7-22)
- Date
- Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Geographic resolution
- The property’s location, against USGS design maps
- Classification
- Observed, derived and modeled — the distance is observed; the soil class and level are modeled
- What it decides
- Decides whether earthquake cover is worth pricing as a separate policy.
- Limitation
- Standard homeowners policies exclude earthquake; this says how exposed the location is, not what a policy covers.
- When to refresh
- Hazard sources are re-read when a Record is refreshed. A fact older than 180 days is shown with its age, as indicative rather than current. Refresh before you rely on one.
Crime
Crime rates are slightly below the national average with an improving trend.
- CoverGuard peril level
- ModerateModeled estimate
- Source: CoverGuard's peril model, from the sources below · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- One input to the CoverGuard Score, not the Score itself.
- Violent and property crime indexes
- Violent 32, property 44Modeled estimate
- Source: Demo data — illustrative crime estimate · Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- An estimate for the whole area — agency-reported rates where available, otherwise estimated from local socioeconomic indicators — not for the street.
How to read this peril
- Source
- Demo data — illustrative crime estimate
- Date
- Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Geographic resolution
- The ZIP code area, or the reporting agency’s jurisdiction where agency rates are used
- Classification
- Modeled estimate — estimated from Census Bureau socioeconomic indicators unless agency-reported rates are available
- What it decides
- Feeds the theft and liability side of a homeowners premium.
- Limitation
- Reporting varies by agency, and recent years can be incomplete.
- When to refresh
- Hazard sources are re-read when a Record is refreshed. A fact older than 180 days is shown with its age, as indicative rather than current. Refresh before you rely on one.
These are the Sample Record’s facts. Check an address to get the same five perils for a real property.
Built to be read, not waded through
A CoverGuard Record is only useful if the person holding it can find the answer. Ours leads with the verdict and keeps the evidence one tap away.
The answer first
The CoverGuard Score, an estimate of what it costs to insure, and what the risk does to the value — before any detail. Every section below states its own finding on the way past, so you can scan the whole Record without opening a thing.
Searchable end to end
Find-in-page reaches the whole Record, not just what is expanded — search a carrier by name or a peril and the Record opens to it.
Prints complete
Print or save to PDF and you get the full Record — every section expands for you first, and the navigation is left off the paper.
Five perils, one unified score
Flood
FEMA NFHL zones, SFHA status, the BFE where FEMA publishes one, and OpenFEMA historical claims by ZIP.
Fire
Cal Fire FHSZ for California and USFS Wildland-Urban Interface nationwide.
Wind
Design wind speeds derived from the ASCE 7-22 wind maps by latitude and state, and NOAA coastal flood hazard zones for coastal homes.
Earthquake
USGS ASCE 7-22 spectral acceleration values for seismic design.
Crime
Violent and property crime rates for the area: reported agency rates where available, otherwise estimated from local socioeconomic indicators — the report says which.
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