Natural Hazard Disclosure
Lets buyers know if the property is in a flood, wildfire, earthquake or other state-mapped risk area.
What it is
The Natural Hazard Disclosure, or NHD, is a California report that tells the buyer whether the property is in certain state or federal hazard zones. Most sellers order it from a disclosure company that checks official maps. The buyer signs to say they received it.
When it's used
- On nearly every California residential sale
- Delivered to the buyer early in escrow
- Reviewed by the buyer before they remove their contingencies
What's on it
- FEMA special flood hazard areas
- Areas that could flood if a dam fails
- Very high fire hazard severity zones and wildland fire areas
- Areas near earthquake faults or with seismic risk
Tips and common mistakes
- Order the report as soon as the property is in escrow
- Being in a zone can affect insurance cost and availability, so buyers should get quotes early
- The report reflects official maps, not the home's actual condition
- Keep the signed copy in the broker file
How your Akoni VA handles it
Your VA orders the NHD report, sends it to the buyer for signature, follows up until it's signed and uploads the final copy to your file.
This page is general information to help agents and clients understand the form. It is not legal or tax advice. Forms and rules vary by state and change over time, so always use your brokerage's current version and check with a qualified professional.