We checked.
It's public data.

What we do

You type a ZIP. We pull the receipts.

Enter a five-digit US ZIP code and we pull public federal data for the matched county: heat, wildfire, drought, and flood risk, plus the real history of federally declared disasters there. A separate ZIP-area analysis finds nearby facilities that filed a 2024 EPA Toxics Release Inventory report and opens the chemical-level filing details when they are available.

We turn those layers into a readable report, a calibrated score out of 100, and a verdict with a sense of humor. The score checks whether risk is broad instead of letting one extreme category decide the entire verdict. The verdict is rude. The underlying numbers, classifications, release quantities, and source links are not invented.

Where the data comes from

All public. All government. No street address required.

We do not need your name or street address to generate a report. The risk and environmental analysis is built from open US government datasets:

• FEMA National Risk IndexModeled natural-hazard risk scores, calculated at the county level.
• FEMA Disaster DeclarationsThe actual record of federally declared disasters in a county, going back decades.
• US Census BureauThe ZIP-to-county geography that connects your ZIP code to the data above, plus ZIP-area internal points used for proximity.
• EPA Toxics Release Inventory2024 facility and chemical filing data, including available release quantities, Form A/Form R detail, and classification flags carried in TRI. Facilities are ordered by straight-line distance from a Census ZIP-area point.

We just make it readable. We do not sell the data, and we do not sell you.

What this is not

The honest, slightly less funny part.

• Not a government siteWe are an independent project. We are not affiliated with, endorsed by, or speaking for FEMA, the US Census Bureau, or any government agency. We only use their public data.
• Mixed geography, never house-levelFEMA risk and disaster history are matched primarily at the county level. EPA proximity starts from a Census ZCTA internal point. Neither describes your parcel, block, or personal exposure.
• A model, not a predictionFEMA's National Risk Index is a composite model that factors in population and expected dollar losses. It is a planning tool, not a personal forecast of what will happen to you.
• Not adviceNothing here is financial, insurance, real-estate, or legal advice. Do not buy, sell, insure, or decline to insure a property based on a website called How Fucked Is My ZIP.
• Check the real thingBefore any decision that actually matters, look at parcel-level FEMA flood maps, local hazard information, and talk to qualified professionals.
• Public data has gaps and lagSome ZIP codes are matched to the nearest covered area. Some figures are months or years old. Treat every number as a starting point, not a final answer.
• Nearby does not mean exposedA TRI filing documents a facility's management and releases of listed chemicals. Classification, quantity, and distance are different facts. None of them alone proves contamination, dose, or health risk at your address.

In short: this is a tool for curiosity and a starting point for research, provided as-is, with no warranty. Use your own judgment.