Acceptance of Terms
By accessing and using ZipRiskMap.com ("the Service"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the Service.
Disclaimer of Professional Advice
ZipRiskMap is not a substitute for professional risk assessment. The risk scores, data, and information provided on this site are for general informational purposes only. They should not be relied upon for making insurance, real estate, financial, or safety decisions.
For professional risk assessments, consult licensed insurance agents, real estate professionals, structural engineers, or other qualified experts.
Data Accuracy
Risk scores are derived from publicly available government datasets (FBI, FEMA, NOAA, USFS). While we strive for accuracy:
- Government data may contain errors or omissions
- Data is aggregated at the county level and mapped to ZIP codes, which introduces approximation
- Historical data does not guarantee future conditions
- Risk scores are relative rankings, not absolute measurements
- Data freshness varies by source (annual to near real-time)
We provide this data "as is" without warranty of any kind, express or implied.
Limitation of Liability
ZipRiskMap, its operators, and affiliates shall not be liable for any damages arising from the use of or inability to use the Service, including but not limited to direct, indirect, incidental, punitive, and consequential damages.
Permitted Use
You may use ZipRiskMap for personal, non-commercial purposes. Automated scraping, bulk data extraction, or redistribution of our data without permission is prohibited.
Commercial use of our data (including embedding, API access, or reselling) requires a separate license agreement.
Email Subscriptions
By providing your email address, you consent to receive risk alert emails as described in our Privacy Policy. You may unsubscribe at any time.
Government Affiliation Disclaimer
ZipRiskMap is not affiliated with, endorsed by, or connected to any government agency including FEMA, FBI, NOAA, USFS, or the US Census Bureau. We independently aggregate publicly available data from these sources.
Modifications
We reserve the right to modify these terms at any time. Continued use of the Service after changes constitutes acceptance of the modified terms.
Governing Law
These terms are governed by and construed in accordance with applicable law. Any disputes shall be resolved through appropriate legal channels.