Contents of Natural Hazard Disclosure Reports

A natural hazard disclosure report explains if a home lies exclusively within California state lines and whether or not a home is within a locally mapped hazard area. The Natural Hazards Disclosure Act in the California Civil Code, the seller of a home is legally obligated to produce a report for the buyer. There are six natural hazards that must be addressed in the report.

The first risk is a special flood hazard area. During a 30 year mortgage, there is a one in four chance that a high risk area will flood. This type of area is also defined by the erosion problems that come with the flooding.

Dam inundation is similar to flooding, except it falls under a smaller umbrella of the flooding of dams specifically. A dam break inundation zone is an area downstream of a dam that would be directly affected if the dam were to break.

In California, fires are not uncommon due to its long-term drought. Because of this, California has established very high fire severity hazard zones. These zones tend to be in hilly and mountainous areas.

A natural hazard disclosure report, in addition to saying whether or not the house is in a very high fire severity zone, also has to say specifically if they are in a wild-land fire zone. This is due to the fact that in the past, forest fires have been extremely destructive and difficult to put out.

California sits on a fault line and is not a stranger to earthquakes. Of course, not all areas in the state are equally prone to them. The closer one is to the fault line the more likely they will encounter an earthquake. Where a house is in relation to the fault line is required information for the natural hazard disclosure report.

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