Terms of Service

Welcome to UnzipRisk (unziprisk.com). By accessing or using this website (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Site.

1. Acceptance of Terms

By using the Site, you confirm that you are at least 13 years old and agree to comply with these Terms. If you are under 18, you should review these Terms with a parent or guardian.

2. Description of Service

UnzipRisk provides a free natural disaster history viewer for U.S. ZIP codes. We aggregate publicly available government data (from FEMA, NOAA, USGS, and NIFC) into an interactive, searchable interface. The Site is provided free of charge.

3. Disclaimer — Not Professional Advice

• Data is sourced from publicly available government databases and may be incomplete, outdated, or inaccurate.
• This Site should NOT be used as the sole basis for insurance decisions, property purchases, safety planning, or emergency preparedness.
• We are not affiliated with any government agency, insurance company, or emergency service.
• Consult qualified professionals (insurers, emergency management officials, real estate professionals) for decisions based on disaster risk.
• Past disaster history does not predict future events. An area with few recorded disasters is not necessarily safe.

4. Intellectual Property

All content on the Site — including text, graphics, logos, tools, and software — is the property of UnzipRisk or its content suppliers and is protected by intellectual property laws.

You may:

• Access and use the Site for personal, non-commercial purposes
• Share links to the Site

You may NOT:

• Copy, reproduce, or redistribute Site content without permission
• Scrape, crawl, or bulk-download content
• Use the Site's content to build a competing service
• Remove any copyright or proprietary notices

5. User Conduct

When using the Site, you agree not to:

• Use the Site for any unlawful purpose
• Attempt to interfere with the Site's operation or security
• Use automated tools to scrape or extract data
• Attempt to overload or disrupt the Site's infrastructure

6. Limitation of Liability

To the fullest extent permitted by law:

UnzipRisk, its owner, and contributors shall NOT be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or inability to use the Site
• Any errors, inaccuracies, or omissions in Site content
• Any decisions made based on information provided on the Site
• Any third-party content or linked websites

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

7. Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only. We do not control, endorse, or assume responsibility for the content or practices of any third-party sites.

8. Availability

We strive to keep the Site available, but we do not guarantee uninterrupted or error-free access. We may modify, suspend, or discontinue the Site (or any part of it) at any time without notice.

9. Governing Law

These Terms are governed by the laws of the United States, without regard to its conflict of law provisions.

10. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the Site after changes constitutes acceptance of the updated Terms.

11. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

12. Contact Us

If you have questions about these Terms, please contact us.

These terms of service were last updated in March 2026.