We cover the entire State of California
Get Access to Expert-Crafted NHD & Hazard Reports. Precision, Clarity, and Compliance 24/7.
We empower our clients by providing transparent and reliable natural hazard disclosure solutions, helping them manage risks and move forward with confidence.
We deliver the highest quality reports that help protect our clients from financial and legal risk.
Access to the most up-to-date data, cutting-edge technology, and a thorough understanding of local regulations
Clear, accurate, and thorough assessments of potential risks from earthquakes, wildfires, flooding, and more.
Managed by a seasoned industry leader with a proven track record.
We ensure that our reports are clear, precise, and cover all legally mandated hazards including local jurisdictions.
We prioritize our clients by offering personalized support and guidance throughout the process.
We leverage the latest parcel polygon technology to streamline the hazard disclosure process, making it easier, faster and more accurate than ever.
We understand the importance of trust in real estate transactions, and we deliver our reports with integrity and transparency.
Managed by a seasoned industry leader with a proven track record.
We ensure that our reports are clear, precise, and cover all legally mandated hazards including local jurisdictions.
We prioritize our clients by offering personalized support and guidance throughout the process.
We leverage the latest parcel polygon technology to streamline the hazard disclosure process, making it easier, faster and more accurate than ever.
We understand the importance of trust in real estate transactions, and we deliver our reports with integrity and transparency.
An NHD report is a legally mandated disclosure report for the state of California and applies to most residential real estate transactions through the Natural Hazard Disclosure law which went into effect July 1998. It is the property seller’s obligation to provide this report to all prospective buyers. The law prescribes disclosing the absence/presence of seven different natural hazards which are found on the Natural Hazard Disclosure form (CCC 1103.2(a)).
The report can be paid with a credit card on our website, by sending a check to our office found on the Contact page, or by providing escrow information and the invoice will be paid upon the close of escrow. If escrow does not close, the invoice can be canceled by contacting our office.
No, you will need to order a new report for a different transaction. The issued NHD report is only good for the transaction for which it was ordered.
Parcel polygon technology makes hazard determinations based upon the entire piece of land rather than just one midpoint on the land, which produces the most accurate NHD reports available.
This report is optional and sells for $140. It provides detailed information on the fire hardiness of the subject property based upon the surrounding vegetation and the structure’s building materials. Sometimes there are differences between the NHD and WFDR reports and when this occurs, the NHD report takes precedent because it is legally mandated. An WFDR can be ordered here: https://homeowner.fortressfire.com/purchase/address.
Ordinances can be found in a local jurisdiction’s municipal code. You can either go to the city’s/county’s website or a lot of municipal code can be found here: https://library.municode.com/ca
Structures located in an SFHZ must carry flood hazard insurance (if mortgaged) which can be costly. Homeowners can petition FEMA to remove their home from an SFHZ based upon base flood and structure elevations. A form called a Letter of Map Change (LOMC) request can be completed by the homeowner and submitted to FEMA, along with supporting documentation, which will be evaluated, and a final determination will be made by FEMA. The LOMC application form and instructions can be found here: https://hazards.fema.gov/femaportal/onlinelomc/signin
The report can be paid with a credit card on our website, by sending a check to our office found on the Contact page, or by providing escrow information and the invoice will be paid upon the close of escrow. If escrow does not close, the invoice can be canceled by contacting our office.
Most reports will be received within a few minutes of being ordered, but some reports can take longer. The report will be emailed to all parties identified in the transaction when the order is placed. Be sure to add phxreports.com to your contacts/address book and check your spam filters to ensure expedient delivery of our report.
You are protected in several different ways: we regularly update our data and utilize parcel polygon technology ensuring that the report you order is the most accurate available, we have a proven track record – in the more than 20 years of producing NHD reports, our Managing Director has never been sued, and we carry Errors and Omissions Insurance.
CLUE stands for Comprehensive Loss Underwriting Exchange and is the database that all major insurance companies consult when evaluating new customers. The report can be ordered annually at no charge and provides a summary of an individual’s home/auto insurance history including any claims made in the last seven years. A CLUE report can be ordered here: https://consumer.risk.lexisnexis.com/.
A VMO is a set of rules that have been established by a local jurisdiction regarding the handling of plants and trees on land and near structures for fire suppression and safety.
A Flood Certificate, also referred to as a Flood Certification, is a document required by a lender that identifies if the subject property requires flood insurance. The Federal Emergency Management Agency’s (FEMA) official name for this form is the Standard Flood Hazard Determination Form which can be found here: https://www.fema.gov/flood-insurance/find-form/underwriting.
