Most hazard tools cover one threat. This one, run by California’s Office of Emergency Services, returns four at once for a single address, which is closer to how risk actually arrives — a household rarely faces flood in isolation. Flood results draw on FEMA’s rate maps, and the tool is candid that digital mapping is still incomplete for some counties, so an empty result means unmapped rather than safe. Its real value is as a starting point for a family conversation: seeing flood, fire, earthquake and tsunami side by side makes it much harder to plan for only the threat that happens to be in the news.
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