Property hazard and flood check

Standard home and renters policies usually exclude flood and earthquake. The Hazards & coverage gaps card on your Claimfrog dashboard checks official government maps for your address and turns what it finds into questions for your insurance agent.

Where it works

• United States: your FEMA flood zone at your exact address (National Flood Hazard Layer), plus elevated hazards for your area from the FEMA National Risk Index: hurricane, wildfire, earthquake, tornado, hail, river and coastal flooding and more.
• Canada: Natural Resources Canada's seismic risk model and flood map inventory, plus provincial flood maps for Alberta and Québec.

Steps

1. Make sure your property has a full street address in Settings › Property Details.
2. Open the Dashboard. The card checks the maps automatically.
3. Read the findings. Click View the official FEMA map (or Open the flood map) to see the source.
4. Under Questions to ask your agent, click Email my agent to send them the findings and questions in one go. The button appears once your agent's email is saved in Settings › Insurance Details.
5. Click Check again after you change the address.

Good to know

• Area ratings are broad. "No elevated hazards" does not mean there's no risk at your address. Nearly a third of U.S. flood insurance claims come from outside high-risk zones.
• Flood maps can be out of date. The card shows when the map took effect.
• This is information from public sources, not an insurance or engineering assessment.

Troubleshooting

• "We couldn't pinpoint this street address." Check the address in Settings and pick the suggested match.
• "The map service didn't respond." Government map services are sometimes slow. Try again in a few minutes.