Sample Reports

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These are real-methodology reports built from actual FEMA source data. Three properties, three scenarios, all three report tiers. Open any report to see what arrives in your inbox.

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Primary Source

FEMA FIRM, FIS documents, NFHL database, MSC records

Reviewed By

Licensed Insurance Professional · NPN 21235461

Not Automated

Every report is individually researched and reviewed before delivery

Delivery

Email delivery within 2–3 business days of order

Property 01

Zone AE · Elevation Certificate on File · Above BFE · Baton Rouge, LA

3847 MAGNOLIA BEND DR · BATON ROUGE, LA 70816

A 2004-built single-family home in Zone AE along the Comite River corridor with an Elevation Certificate documenting the structure 2.1 feet above BFE. The EC creates a significant private market advantage, but the LOMA pathway is blocked by the Lowest Adjacent Grade sitting below BFE. Common scenario for newer construction in Louisiana Zone AE corridors.

Zone AE · BFE 12 ft NAVD88 · EC on File · Comite River Basin

Key scenario insight: This is the most common profile we see — Zone AE with an EC, structure above BFE but site grade below. The LOMA pathway is closed, but the private market advantage is substantial. The Level 2 Analysis quantifies the exact premium delta; the Level 3 Comprehensive Review documents why the LOMA won't work and what regulatory exposure to watch for on future improvements.

Level 1

$49

Flood Risk Snapshot

Zone confirmation, FIRM panel, insurance requirement determination, NFIP overview. Everything you need to understand your designation.

⚠Zone AE confirmed — mandatory insurance applies

→FIRM Panel 53077C0714E · Oct. 2021

→No LOMA or LOMR on file

!No CRS discount — community not enrolled

✓EC on file — Level 2 quantifies premium impact

Everything in Level 1, plus map amendment history, EC-based premium analysis, policy review, and coverage gap assessment.

✓Structure 1.2 ft above BFE — EC confirms

⚠LOMA not viable — LAG 2.5 ft below BFE

✓Private market saves $938/year vs. NFIP

!Coverage gap ~$241,678 vs. replacement cost

!Contents coverage not purchased — exposure noted

Everything in Level 2, plus FIS methodology reference, formal LOMA pathway assessment, community floodplain history, and regulatory context.

→FIS: BFE from Naches River step-backwater model

⚠LOMA: LAG controls — not viable, fully explained

!Substantial improvement threshold ~$245,839

✓3-policy comparison — Neptune vs. Wright vs. NFIP

✓Expert follow-up included

View Sample Report →

Property 02

Zone AE · No EC · Older Construction · Renovation Risk · Houston, TX

7214 BRIARWOOD CROSSING · HOUSTON, TX 77079

A 1987-built slab-on-grade home in Zone AE along the Brays Bayou corridor with no Elevation Certificate and no current flood insurance. Slab-on-grade is the dominant foundation type in Houston — this scenario represents tens of thousands of properties in Harris County alone. The estimated site elevation places the slab potentially below BFE, creating both insurance and regulatory exposure.

Zone AE · No EC · 1987 Slab · Harris County · No Current Insurance

Key scenario insight: This is the highest-risk profile in this report set — and one of the most common in Houston, where hundreds of thousands of slab-on-grade homes sit in Zone AE. No EC means unknown premium exposure, no LOMA pathway assessment, and no documentation baseline. The Level 3 Comprehensive Review identifies the regulatory trap most Zone AE property owners never see coming — the 50% substantial improvement rule that can require full elevation compliance when renovation costs exceed the threshold.

Level 1

$49

Flood Risk Snapshot

Zone confirmed from FIRM source data. Insurance requirement documented. The starting point before making any decisions about EC, coverage, or improvements.

⚠Zone AE confirmed — mandatory insurance applies

⚠No EC on file — premium unknown without survey

→Estimated NFIP without EC: ~$2,041/year

→Zone AE since 1985 — no reclassification

!EC survey recommended as next step

EC decision framework for slab-on-grade construction. Compliance risk assessment. Coverage gap analysis. The full picture before placing insurance.

⚠No current flood insurance — compliance risk

⚠Slab likely at or below BFE — EC needed to confirm

!EC value framework — payback 2–4 years if savings found

!Coverage gap ~$247,563 vs. replacement cost

→LOMA pathway assessed — low probability

The regulatory trap analysis. If you're planning any renovation on a Zone AE property, this is the report that could save you from a $50,000–$150,000 surprise.

⚠Substantial improvement threshold: ~$248,781

⚠Trigger = required full elevation compliance

⚠Elevation cost if triggered: $50k–$150k+

!Cumulative improvement tracking — consult County first

✓Clear 4-step action sequence provided

View Sample Report →

Property 03

Newly Mapped Zone AE · LOMA Viable · 13-Month Payback

1847 SW WILLOW CREEK DR · PORTLAND, OR 97219

A Portland property remapped from Zone X to Zone AE in March 2024. The Elevation Certificate documents the Lowest Adjacent Grade 0.4 feet above the newly-established BFE — meeting the primary LOMA eligibility criterion. A successful LOMA application would remove the mandatory insurance requirement, with an estimated 13-month payback on application costs.

Newly Mapped 2024 · Zone X → AE · LOMA Signal Present

Key scenario insight: Newly-mapped properties are the strongest LOMA candidates. The BFE is freshly established, the EC data is recent, and the mapping methodology is LiDAR-based — all favorable conditions for a LOMA application. The Level 3 Comprehensive Review makes the full economic case: $1,240/year in mandatory insurance savings, ~$1,300 application cost, ~13-month payback, and $11,100 net benefit over 10 years.

Level 1

$49

Flood Risk Snapshot

Zone change documented. New mandatory requirement explained. Portland's 20% CRS discount identified. The starting point for a newly-mapped property.

⚠Remapped Zone X → AE effective March 17, 2024

✓Portland CRS Class 6 — 20% NFIP discount

!Newly-mapped discount window — verify with insurer

→BFE 52 ft NAVD88 — newly established

→LOMA potential — see Level 2 and Level 3

View Sample Report →

Level 2

$79