Risk Model v1
TL;DR Your Property Health Score is a single 0–100 number that aggregates eight key factors—from Property Condition to Natural Disaster Risk—into a clear snapshot of potential strengths and vulnerabilities. Below, you’ll learn: 1. What the score represents 2. How we calculate it 3. What each
Data-Driven Due Diligence
Quick Facts • In 2024, 35% of U.S. homebuyers underestimated non-mortgage living costs. • Areas with “low property taxes” often offset that with higher transportation or food costs. • The average buyer spends $12,000/year on location-driven living expenses beyond housing. Want to see the data on your own address? Run
Data-Driven Due Diligence
Quick Facts • The average U.S. single-family home is now 41 years old—the oldest in history. • Replacing aging HVAC, roofs, and plumbing systems typically costs $22k–$65k per home. • 67% of homes built before 1980 lack modern insulation or duct sealing, adding 10%–30% to energy bills annually. Want
Climate Hazards
TL;DR • 44 % of U.S. homes sit in terrain that the USGS flags as potentially landslide-prone. (Landslide Danger Looms For 44% Of U.S. Homes - Yahoo Finance) • Annual economic losses exceed $1 billion, with some estimates topping $2 billion when indirect costs are counted. (Economic Losses and Fatalities
Air Quality
TL;DR • 2023 delivered 66% more smoke-borne PM to the average American than any year since 2006. (Wildfire Smoke: Nationwide Health Risk - Climate Central) • Indoor particulate levels across the U.S. and Canada rose 17 % year-over-year—even in homes 100 mi from a fire line. (The Air Report: Indoor
Climate Hazards
Snapshot • 40 % of all NFIP flood-damage claims come from outside the high-risk (A / V) zones—mostly from the so-called “low-risk” X-zones. (Are You in a Flood Zone? What FEMA's 2024 Flood Map Mean for You) • NFIP’s average paid claim topped $66,000 between 2016-2022; the median homeowner
TL;DR • 2.6 million U.S. homes now sit in moderate-to-very-high wildfire-risk zones, with a $1.3 trillion reconstruction price tag. (CoreLogic 2024 Wildfire Risk Report Finds More Than 2.6 Million ...) • Even outside the flames, indoor PM₂.₅ spikes during smoke events can exceed EPA safe levels by 5–
Data-Driven Due Diligence
Quick Stats • Up to 45 % of major U.S. remodels never pull the required permits (NAHB survey). • Mortgage underwriters flag unpermitted square-footage as a “collateral defect,” stalling—or canceling—funding in 24 % of disputed appraisals (Fannie Mae QC data). • Average cost to retro-permit a non-conforming addition: $8,500 – $27,000