Environmental and housing risk

This dimension covers whether your home is stable, affordable, and ready for the hazards where you actually live.

Why it matters

Housing is usually the largest fixed cost, so housing stress shows up first in a downturn.
Hazard exposure is local, and most households have never checked theirs.
The first 72 hours after a disruption depend entirely on preparation done beforehand.

Check your local hazard profile

Look up flood, wildfire, storm, and heat risk for your address, then prepare for the top one.

Build a 72-hour kit

Water, food, first aid, power, documents, and supplies for children and pets.

Agree on a meeting point

One place to reunite and one out-of-area contact if local networks are down.

Photograph your home and belongings

Stored off-site, this speeds any claim and documents pre-existing condition.

How do I know if my home is at risk?

Check local flood, wildfire, storm, and heat hazard maps for your address, then check whether your insurance actually covers the top hazard.

What belongs in a 72-hour household kit?

Water, non-perishable food, first aid and medications, light and power, copies of key documents, cash, and supplies for children and pets.

The five-minute check gives you a score for this dimension and a tailored action list.