RiskWut!™ — Design and Biz, LLC

🏠 For homeowners only. RiskWut!™ is designed for residential use — it's not optimized for businesses, landlords, or commercial properties.

Heads up: RiskWut!™ provides estimates and guidance for informational purposes only. Actual risk levels, insurance options, and costs vary by property and insurer. Always consult a licensed insurance professional before making coverage decisions.

1 Your Address

2 Your Property

3 Your Risk Plan

Step 1

Enter your home address

Street address

We couldn't verify that address. Please try again with a complete street address including city and state.

Step 2

Tell us about your property

✓

Home Details

What type of home is it?

When was it built?

What type of foundation does it have? This affects both flood vulnerability and mitigation options.

What is the roof material?

What is the exterior siding material?

Flood Risk Factors

🗺️ Tell us about your specific property conditions below. We'll assess your flood risk based on what's actually happening on your property — no zip code lookup required.

Has your home or yard ever flooded?

Is there a creek, stream, or river visible from your property?

Does water pool or stand in your yard after heavy rain?

How would you describe your lot's slope?

Fire Risk Factors

🔥 We use your location to assess local fire hazard context automatically. Tell us about the specific conditions on your property below.

What best describes the vegetation surrounding your home?

How close is vegetation (trees, shrubs, tall grass) to your home's exterior walls?

What's stored under or immediately around your deck or porch?

Earthquake & Seismic

What seismic retrofitting has your home received?

Which of these seismic mitigations have you already done? Select all that apply — we won't recommend things you've already done.

Storm & Wind Preparedness

🌪️ We'll use your county's wind, hail, tornado, and hurricane risk data to assess storm exposure. Tell us what you've already done to protect your home.

What window protection do you have?

Is your garage door wind-rated or reinforced?

Are there large trees close enough to hit your home if they fell?

Climate & Extreme Weather

🌡️ We check your area's heat wave, drought, cold wave, and winter weather risk. A few quick questions about your home's resilience to extreme weather.

What's your primary cooling system?

Do you have backup power for extended outages?

Are your water pipes insulated against freezing?

Your Insurance

Do you have a homeowners insurance policy?

Do you have a separate flood insurance policy? Standard homeowners policies do not cover flood damage.

Do you have an elevation certificate for your home? An elevation certificate documents your home's height relative to the FEMA base flood elevation and can significantly affect flood insurance costs.

What Have You Already Done?

Check everything that applies to your home: Select all that apply — we won't recommend things you've already done.

Please answer all required questions before continuing.

💡 Many of the physical hardening steps on the Physical Prep tab directly reduce your insurance premiums. The more you harden your home, the more leverage you have with your insurer. Look for the Premium Savings callout on each card.

📧

Get your full report by email

We'll send you a copy of your risk assessment and action plan so you can reference it later or share with your insurance agent.

Report sent! Check your inbox.

Want to harden your home as part of your renovation?

Our risk mitigation advisors help you build resilience into your renovation plan — closing insurance gaps, hardening vulnerable areas, and potentially lowering your premiums. Most projects start with a 15-minute call.

Talk to an Advisor

Common questions

Where does the risk data come from?

RiskWut! pulls from FEMA flood maps, wildfire hazard assessments, NOAA climate projections, and county-level property records to build your risk profile.

Is this the same as my insurance company's assessment?

No. Insurers use proprietary models. RiskWut! gives you an independent view so you can have informed conversations with your agent and identify gaps in your coverage.

Can hardening my home actually lower my premiums?

Often yes. Many insurers offer discounts for specific upgrades like impact-resistant roofing, flood vents, or fire-resistant siding. We'll flag which upgrades are most likely to qualify.

What should I do with these results?

Share them with your insurance agent to check your coverage. Use the hardening plan to prioritize upgrades. Or talk to one of our advisors to build risk mitigation into your renovation scope.