herebeat. Reports

Free check · flood, hurricane, tornado, wildfire, quake

What will this house cost you when the water comes?

Type the address. In under a minute: the FEMA flood zone, flood claims nearby, the premium trend, FEMA ratings for 18 hazards and live official warnings. Free, no account. Then the full Owner Report ($29) if it's useful.

What you get

A real report, not a score.

About 10,000 words for your address: the verdict, your numbers against the 50 % rule, your flood premium year by year, 18 hazard ratings, grants with their status, a 90-day plan and the questions to ask. Every number tagged with its source and date, on screen and as a PDF.

  • Charts and tables built from government data
  • Written for your house and your answers
  • Ready in about two minutes after payment
Sample report cover: verdict, address and key numbersSample report pages: flood height and home price charts

Field guides · no address needed

Be ready before the warning.

What Could Hit Your Home? cover and a sample page
The 30-Minute Risk Check

What Could Hit Your Home? $19

Flood map, FEMA hazard ratings, insurance gaps and a 30-day fix-it plan. PDF.

The 15-Minute Go Plan cover and a sample page
Ready to leave when it counts

The 15-Minute Go Plan $19

Go-bag and paper lists, a 15-minute countdown, shutdown steps by hazard, routes and a family contact card. PDF.

Both guides: $29$38 if bought one by one.

Two reports

Pick yours after the free check.

$29

Owner Report

For the house you own.

  • The 50 % rule with your repair numbers
  • Your flood premium path to full price
  • ICC, grants and who pays locally
  • A 90-day plan and storm-season playbook
  • 21 chapters + PDF
$29

Buyer Check

For a house you're about to buy.

  • Go, Go with conditions, or Walk away
  • Flood insurance cost over 5 years
  • Documents to demand from the seller
  • Questions for the seller, insurer, lender and town
  • 16 chapters + PDF

One-time payment · full refund if we can't build the report.

Do-it-yourself kits

The next steps, done for you.

Illustrated guides, scripts, letters and spreadsheets, built from your free check. Buy them on their own, or add them to your report.

Premium Cut Kit sample pages (example data)
Owners and buyers

Premium Cut Kit $15

Find or order an elevation certificate, read it with your agent, compare quotes like for like, and send a re-rating request. 11-page illustrated guide + editable Word letter.

5-Year Cost-to-Own Model sample pages (example data)
Owners and buyers

5-Year Cost-to-Own Model $12

Your premium path, taxes and local fees in an Excel model with live formulas. Change one number and watch five years move. Spreadsheet + illustrated guide.

50 % Rule Workbook sample pages (example data)
Owners

50 % Rule Workbook $12

Your repair ratio with the work shown: itemize repairs, mark what may not count, try an independent value, and build the evidence file. Spreadsheet + guide.

Buyer Offer Pack sample pages (example data)
Buyers

Buyer Offer Pack $19

Your verdict turned into a seller document request, a contingency checklist for your agent and questions for the showing. 10-page guide + editable letters.

Report + all 3 kits that fit your house: only $19 more.The kits alone are $39–$46 one by one. All 3 kits without the report: $29.
Start with the free check

Samples above use fictional example data. Kits are built for your address after the free check; any kit we can't build is refunded.

Not only water

Every hazard, rated for your area.

Coastal floodingRiver & rain floodingHurricaneTornadoStrong windHailLightningWildfireEarthquakeLandslideHeat waveCold waveWinter weatherIce stormDroughtTsunamiAvalancheVolcanic activity

FEMA National Risk Index ratings for your census tract, plus live National Weather Service warnings for your spot.

How it works

Five steps. Pay at the last one.

  1. Type the addressThe free check appears in under a minute.
  2. Confirm the pinFlood-zone lines can split a block.
  3. Answer a few questionsAbout the house and your money.
  4. See your free previewYour verdict and key numbers.
  5. Get the full reportOn screen and as a PDF by email.
Milford, Connecticut, after Hurricane Sandy: a raised house stands beside one that collapsed

Our promise

Full refund. No forms.

If we can't build the report for your address, or it fails our accuracy checks, you get your money back automatically. Every figure says where it came from: FEMA, NOAA's National Weather Service, USGS, the U.S. Census and FHFA.

Photo: Milford, CT, after Hurricane Sandy, 2012. FEMA (public domain).

Questions

Before you start.

Is this an appraisal or an insurance quote?

No. It's an educational estimate from public government data and your answers. Your building department decides substantial damage, insurers set premiums and lenders decide loans.

How long does it take?

The free check takes under a minute. Your free preview is ready a few minutes after you confirm your email. The full report takes about two minutes after payment.

What if I'm not on the coast?

It works for any U.S. address. Inland reports swap the sea-level and shoreline chapters for rivers, heavy rain and drainage, and skip the coastal barrier checks.

Does it work for a condo?

Yes. For a condo unit, the 50 % rule is decided for the whole building, so the report explains who covers what instead: the association's master policy, your own unit policy and special assessments, with the questions to ask your association.

Can I share it with my agent or insurer?

Yes. Share the PDF; every figure shows its source so they can check it.

Refunds?

Automatic if we can't build it or it fails our checks. Otherwise write to reports@herebeat.app within 14 days. Refund policy.

What do you do with my data?

We use your address, answers and email only to build and deliver your report, and never sell them. Privacy policy.

Check your address. Free.

Start the free check