Real estate glossary
Natural Hazard Disclosure (NHD)
Also called: NHD report, Natural Hazard Disclosure Statement
A California disclosure that tells the buyer whether the property is in certain officially mapped hazard zones, like flood or fire zones.
In California, sellers must disclose whether the property lies in specific government-mapped zones — including special flood hazard areas, areas of potential flooding, very high fire hazard severity zones, wildland fire areas, earthquake fault zones and seismic hazard zones.
Because the information comes from official maps, sellers usually order a report from a third-party NHD provider, then sign the disclosure statement based on it.
What it means for you as a seller
Order the report early and read it. Being in a mapped zone can affect a buyer's insurance costs, so it is better that they learn about it from you up front.
Related terms
- Seller disclosuresThe forms where a seller tells the buyer what they know about the home's condition and history, such as leaks, repairs or known defects.
- Inspection contingencyThe buyer's right to inspect the home within a set period and cancel or ask for repairs if they are not satisfied with what they find.
Not legal or tax advice. These explanations are general information to help you follow your own transaction. Laws, forms and customs vary by state and county, and the terms of your own contract always control. For advice about your situation, talk to your real estate agent, a real estate attorney or a tax professional. Last updated .