Sample report · illustrative data
This is what you see before you bid
Every CoverGuard report leads with an explained insurability score — the number, the band, how confident we are, and the data behind it. No black box.
1247 Ridgeline Dr, Boulder, CO 80302 · Single-family · Built 1998
4/10Insurability
Difficult to insure
Few carriers are writing; pricing is likely elevated.
Medium confidenceAs of July 12, 2026 · Based on 12 public data sources
Insurability score 42 out of 100 (4 on a 1–10 scale). Difficult to insure: Few carriers are writing; pricing is likely elevated. Medium confidence — Some inputs are older or partially modeled. As of July 12, 2026. Based on 12 public data sources.Why this score
As of July 12, 2026- Wildfire (USFS WUI — Interface) — Hurts insurability — Property sits in a mapped wildland-urban interface.
- Flood (FEMA Zone X) — Improves insurability — Outside the 100-year floodplain.
- Wind (ASCE 7 — 110 mph) — Neutral — Moderate design wind speed for the region.
- Carrier appetite (this ZIP) — Hurts insurability — Only 3 admitted carriers currently writing.
Based on 12 public data sources — show — hide
- FEMA NFHL
- OpenFEMA Claims
- USGS Design Maps
- NOAA SLOSH
- Cal Fire FHSZ
- USFS WUI
- FBI CDE
- ASCE 7
- Esri Living Atlas
Sourced and auditable — not a black-box model.
Insurability by peril (1–10)
8
Flood
Low risk
3
Fire
High risk
6
Wind
Moderate risk
7
Earthquake
Low risk
6
Crime
Moderate risk
Estimated annual premium
$4,800–$6,200 / year
An estimate is modeled from risk and market data. A bound figure only exists once a carrier issues and you accept a quote — CoverGuard always labels which is which.
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