Know what you're buying before you buy it.
Every Risk Ready Report delivers flood zone, hail history, wildfire exposure, foundation soil, carrier availability, and negotiating leverage for any Central Texas address. Emailed to you within 24 hours of your order.
Homebuyers find out what they're buying after they own it.
Insurance is a cliff, not a line item.
Central Texas premiums are up 31% in three years. Eight admitted carriers have exited the Austin market since 2023. Buyers discover this the week before closing.
We pull from dozens of public and private sources — including CLUE claims history — so you don't have to.
Flood maps, storm records, permit filings, soil surveys, carrier rate filings, and the full CLUE loss history on the property. Assembled, scored, and translated into one 12-page brief — emailed to you within 24 hours.
Your agent isn't an underwriter.
Real estate agents sell houses. They don't price wind-hail deductibles or read CLUE reports. One documented finding — a missing roof permit, a prior claim, a flood-zone mismatch — typically returns 20× to 60× the cost of the report in seller credits.
Three steps. Report emailed within 24 hours.
Enter the address.
Any single-family residential property in Travis County or surrounding Central Texas counties.
We pull the data.
FEMA flood zones, NOAA storm events, county permits, soil surveys, carrier filings, and CLUE history — aggregated and scored against our proprietary Central Texas loss model.
You get a 12-page report.
Composite risk score, six risk dimensions, carrier comparison, estimated premiums, mitigation plan, and a day-by-day due diligence timeline for your option period.
A 12-page report that pays for itself on a single negotiation.
This is a real report on a real Austin property. Every section is included in every report you order.
One documented finding. One negotiation. 20× to 60× the cost of the report.
Real examples, redacted. Every scenario below started as a single line in a Risk Ready Report, was raised during the option period, and closed with a documented credit or price adjustment. Outcomes aren't guaranteed — but the data is, and we refund 100% if we don't surface a single actionable item.
Severe hail event in the area in 2023. Roof never replaced — granule loss and bruising visible on inspection imagery.
Buyer used the storm history and roof condition to negotiate a seller credit, installed an impact-resistant Class 4 roof at closing, and qualified for a hail-resistant roof premium discount with the binding carrier.
Listing claimed full HVAC replacement 3 years ago. No permit on file with the city. Condenser was new — air handler, coil, and ductwork were original and missed by the home inspector.
Buyer requested HVAC documentation, surfaced the permit gap, and negotiated a credit at closing to replace the rest of the system.
MLS listed as Zone X. FEMA NFHL shows partial Zone AE.
Buyer required lender-mandated flood policy be disclosed before contract. Used to negotiate a rate buydown for first-year premium.
$149 per report. No subscription. No upsells.
per property, one-time
- Full 12-page PDF
- Emailed within 24 hours
- Carrier comparison
- Mitigation plan
- 90-day validity
- CLUE data included
for agents, teams, brokerages
- Volume pricing from $16.67/report
- White-label option
- Dedicated account partner
- API access
- Team billing
Are you a real estate professional?
Deliver a Risk Ready Report on every buyer offer. Differentiate your service, close faster, and build negotiating leverage into every transaction.
Six risk dimensions. Weighted against Central Texas loss history.
Our scoring model combines federal and state data sources with insurance actuarial data, AI-assisted document parsing, and proprietary weights calibrated to Central Texas loss history. Each dimension is scored 0–100 and combined into a composite risk score. Scores are relative indicators, not actuarial certifications.
Did your last purchase disclose prior insurance claims on the house?
Claims follow the property, not the seller. We pull the Comprehensive Loss Underwriting Exchange (CLUE) record and show every insurance claim filed against the address — type of loss, date, amount paid. No surprises from the next carrier's underwriter.
Questions buyers ask.
Your report will be emailed to you within 24 hours of your order. We pair automated data ingestion with a manual review pass — including the CLUE claims history pulled through our partner broker — so every report is checked before it lands in your inbox.
Travis County and surrounding Central Texas counties at launch. Expansion to the rest of Texas is on the roadmap for 2026.
If we don't surface a single actionable item — a permit gap, a prior claim, a zone mismatch, a carrier constraint, anything a buyer or agent could raise during the option period — you get a 100% refund. No questions.
No. Risk Meridian is not a licensed insurance agent or broker. Reports are informational. Always obtain quotes from a licensed professional before closing.
Yes — that's one of the primary use cases. The report documents specific conditions (roof age, permit gaps, CLUE history, premium estimates) that agents and buyers use to negotiate credits or repairs during the option period.
You'll see an error at checkout before being charged. We never charge for a report we can't deliver.
90 days from issue date. Flood maps, permit records, and market conditions change — we re-run data for each new order.
Know the risk. Own it confidently.
$149 per report. 90-day validity. No subscription.