WEST PALM BEACH, FL - Every year, 4.8 million American families purchase a home - the largest financial decision most will ever make. The seller knows the property’s flood history. The lender pulls FEMA risk data during underwriting. The insurer has the most complete risk profile of anyone at the closing table. None of them are required to share that information with the buyer before closing. All of them get paid when the deal closes.
That information gap now has a solution. Home Data Reports has launched as the first and only consumer-facing property risk intelligence platform in the United States, delivering 30+ page reports that aggregate data from FEMA, NOAA, USGS, EPA, and the U.S. Census Bureau - the same federal sources that determine insurance premiums, loan terms, and resale values.
The timing is not accidental. Homeowner insurance costs surged 30 percent in 2025. Florida and Colorado saw escrow payment increases exceeding 55 percent. Nearly one in four recent homebuyers report that their financial situation worsened after purchasing - blindsided by flood insurance requirements, zone reclassifications, and environmental hazards that no one in the transaction disclosed.
“Every party in a real estate transaction that has access to property risk data gets paid when the deal closes. The buyer is the only person at the table without the information, and they’re the one writing the check,” said Damian Martinez, Founder and CEO of Home Data Reports. “We built this platform because families deserve to see what the seller already knows, what the lender already pulled, and what the insurer already priced - before they commit, not after they’re trapped.”
The platform addresses a gap that has widened in recent years. Zillow removed climate risk scores from property listings in 2024. More than one-third of U.S. states do not require sellers to disclose flood risk or past flood damage. FEMA continues to update flood maps annually, reclassifying zones without direct notification to homeowners - leaving families searching “am I in a flood zone” after it is already too late.
Each report covers more than ten risk categories including flood zones, wildfire probability, earthquake risk, environmental contamination, radon exposure, registered offender proximity, school quality, and neighborhood safety. Reports generate in minutes after typing a single address, and every report includes five AI-powered follow-up questions for property-specific analysis. The first report is complimentary for new users.
Unlike every competitor in the property risk data space - companies such as First Street Foundation, ClimateCheck, and ATTOM Data that sell exclusively to enterprise clients including banks, insurers, and federal agencies - Home Data Reports is the only platform built for individual homebuyers, renters, and relocators. No other product combines climate risk, environmental contamination data, community safety information, and AI-powered analysis into a single consumer report.
“The home buying checklist most families follow covers inspections, appraisals, and title searches. None of those steps reveal whether the property sits on contaminated land, falls in a flood zone requiring $2,400 per year in mandatory insurance, or borders a Superfund site,” said Martinez. “An inspector checks what’s inside the building. We check what’s outside - the risks that follow the land, not the structure. Together, that’s complete due diligence.”
Home Data Reports is now live and available for any address in the United States.
About Home Data Reports
Home Data Reports is a property risk intelligence platform headquartered in West Palm Beach, Florida. The company aggregates data from ten sources including five federal agencies to deliver comprehensive property risk reports to homebuyers, renters, homeowners, and real estate professionals. The platform’s mission is to eliminate information asymmetry in real estate transactions by giving consumers access to the same risk data that lenders, insurers, and sellers already have.
Email: support@homedatareports.com
Media Contact
Name
Home Data Reports
Contact name
Damian Martinez
Contact phone
561-589-3180
Contact address
PO Box 17463
City
West Palm Beach
State
Florida
Zip
33416
Country
United States
Url
https://homedatareports.com/
