There are several sample reports like the one you can find here
This way, you know what to expect. You can certainly order a report for yourself for your home. And you can ask your insurance agent what kinds of coverage are recommended for your property based on the report.
Good luck to you
â€œI would like to get an estimate about the nature of the hazards in this area and their severity, eg., how often have these events occurred in the last 20 yrs.â€
If you would like a source for reviewing a home's relative susceptibility to natural hazards http://quake.abag.ca.gov/ has a number of interactive maps at your disposal. As far as a list of events over the last 20 years, I donâ€™t believe we had any events other than earthquakes that I can recall.
â€œHow much would I expect to pay for insurance against these hazards?â€
If we agree that the primary hazard is earthquakes you would want to research insurance via http://www.earthquakeauthority.com/Ceapolicyinformation.aspx ; however, I will warn you the coverage is quite steep and deductibles are high!
The Natural Hazard Disclosure report is a standard disclosure report provided to the prospective Buyer's at the Seller's expense. Typically, once Escrow has openned the Seller provides the report to the prospective Buyer's within 7 days after offer acceptance unless otherwise agreed to in writing. The report is prepared by a licensed company who is completely independent of the Seller and the Buyer. The reports range in cost from $89.00 to $115.00. If you are planning to purchase a home I suggest you wait for the Escrow to open at which time the report will be ordered and turned over to you. Should you not wish to wait, you may prior to making an offer contact a Natural Hazard company and pay for a report to be prepaired at your cost. However, this could become costly for you should you end up making offers on multiple homes.
With regards to the cost of home owners insurance. I suggest you contact multiple insurance providers during your due dilligence period to ask for a quote. This period typically takes place during the first 17 days after offer acceptance unless otherwise agreed to in writing. Be sure to have the home address handy. The providers will need the address information to look up the home in their "CLUE" system. You also want to ask each provider if the home is insurable as well as inquire if there have been any claims to the home in the last 5 years. These are standard questions a prospective Buyer needs to know. I hope this answers your question. Good luck in your search for a home!
I have seen many reports in the Ardenwood area and there doesn't seem to be any major concerns and anything that doesn't show up on most reports.
recent report in Ardenwood area:
special flood area: NO
potential flooding: YES (Possible "Dam Failure" Lake Del Valle in Livermore)
fire zone: NO
wildland forest fire: NO
earthquake zone: NO
seismic zone: YES
Hope this helps.