Disclaimer

Historical Data Only — Not Predictions

UnzipRisk presents historical disaster records for a given ZIP code. Past events do not predict future events. An area with few recorded disasters is not necessarily safe, and an area with many recorded events may not experience similar events in the future. Natural disasters are inherently unpredictable. This data should not be interpreted as a forecast, projection, or assessment of future risk.

Third-Party Government Data Sources

All data presented on UnzipRisk is sourced from publicly available U.S. federal government records, including:

• NOAA — National Oceanic and Atmospheric Administration (Storm Events Database)
• USGS — United States Geological Survey (Earthquake Hazards Program, Wildfire Data)
• FEMA — Federal Emergency Management Agency (National Flood Insurance Program)
• NIFC — National Interagency Fire Center (Historical Wildfire Records)

We do not create, collect, verify, or independently validate this data. We aggregate, process, and present publicly available government records. Any errors, omissions, or inaccuracies in the source data will be reflected on this site. We have no control over the quality, completeness, or timeliness of the underlying federal datasets.

Not Professional Advice

The information on this site does not constitute professional advice of any kind — including but not limited to real estate, insurance, financial, legal, medical, or emergency preparedness advice. Specifically:

• It is not a substitute for a professional risk assessment or property inspection
• It is not a substitute for insurance evaluation by a licensed insurance agent or broker
• It should not be used as the sole basis for any real estate, insurance, financial, or safety decision
• It does not replace consultation with licensed professionals, structural engineers, or local emergency management officials

Always consult qualified professionals before making decisions related to natural disaster risk, property purchases, insurance coverage, or personal safety.

Data Limitations

While we use authoritative federal data sources, this data has inherent limitations:

• Historical records may be incomplete, especially for earlier decades and rural areas
• Damage estimates are approximations and may not reflect actual losses
• ZIP code boundaries (ZCTAs) are approximations of USPS delivery areas
• Some hazard types may be underreported in certain regions
• Climate change may alter future risk patterns in ways not reflected in historical data
• Data processing and spatial attribution may introduce additional inaccuracies
• Updates to source data may not be immediately reflected on this site

No Warranty

UnzipRisk is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no representations or warranties regarding the accuracy, completeness, reliability, suitability, or availability of the data, the site, or any information, products, or services contained on the site.

Limitation of Liability

To the fullest extent permitted by applicable law, UnzipRisk, its creators, operators, and contributors shall not be held responsible or liable for any direct, indirect, incidental, consequential, special, or exemplary damages — including but not limited to damages for loss of profits, goodwill, data, or other intangible losses — arising from:

• The use of or inability to use the information provided on this site
• Any decisions made or actions taken based on data from this site
• Errors, inaccuracies, or omissions in the data presented
• Unauthorized access to or alteration of your data or transmissions

You use this data entirely at your own risk.

External Links

This site may contain links to external websites operated by third parties. We have no control over the content and practices of these sites and cannot accept responsibility or liability for their content, privacy policies, or practices.

Changes to This Disclaimer

We reserve the right to update or modify this disclaimer at any time without prior notice. Your continued use of the site constitutes acceptance of any changes. We encourage you to review this page periodically.

Last updated: March 2026. If you have questions about this disclaimer, please contact us.