What Is a Natural Hazard Disclosure Statement?
By JC Pacific Corp Published 2026-09-01 Last professionally reviewed: September 2026
A Natural Hazard Disclosure Statement identifies whether a California property is located within certain officially mapped hazard areas. It does not predict whether or when a disaster will affect the property.
Which Hazards May Be Addressed?
Depending on the applicable form and property, the disclosure may address mapped areas involving:
- Flooding
- Dam inundation
- Very high fire hazard
- Wildland fire
- Earthquake fault zones
- Seismic hazard zones
- Other statutorily identified conditions
What Does "Yes" Mean?
A "yes" generally means the property is located within a designated mapped area. It does not necessarily mean:
- Damage has occurred
- Insurance is unavailable
- The property is unsafe
- A disaster will occur
- Every part of the parcel has identical exposure
Is the NHD an Inspection?
No. It is based primarily on maps and data. It does not evaluate the structure's physical condition, drainage, retrofit status or insurance eligibility.
Frequently Asked Questions
Does the NHD cover every possible hazard?
No. Buyers should investigate additional natural, environmental and property-specific concerns.
Can hazard maps change?
Yes. Government agencies may update maps and classifications.
Should I obtain insurance before removing contingencies?
Buyers should investigate insurance availability and cost early.
Use the NHD as a starting point. Review the report, underlying maps and insurance implications before deciding whether the property's exposure fits your needs.
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A note on legal advice: These guides provide general, educational information about California real estate practice. They are not legal advice and do not create an attorney-client relationship. Mortgage information is general education, not individualized lending, tax or legal guidance. For advice about your specific offer, contract, closing or financing, consult a qualified California real estate attorney and a qualified mortgage professional.