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AB 646 · GOV. CODE § 8589.45
Rental Property Disclosure for California Landlords
Comply with AB 646 flood disclosure and provide tenants with a complete lease hazard report.
WHAT'S INCLUDED
Everything a lease-signing needs
AB 646 Flood Disclosure
The Gov. Code § 8589.45 flood disclosure table required before lease signing — FEMA zone resolved directly from federal data so the trigger question is answered on paper.
6 Statutory Hazards + Tax
All six Civil Code § 1103 natural hazards, property tax data (APN, assessed value, annual tax), and the water-conserving fixtures advisory in one compact 5-page deliverable.
Landlord/Tenant Acknowledgement
Signature block packaged for landlord-tenant use, plus a Verity AI℠ tenant-friendly executive summary that explains the hazards in plain language.
AB 646: WHAT LANDLORDS MUST DISCLOSE
Flood disclosure, before keys change hands
Government Code § 8589.45 requires California landlords to disclose flood-hazard status to tenants before lease signing. The requirement applies to all residential rentals — single-family, condos, and multi-family units — whenever the landlord has actual knowledge, a mortgage requiring flood insurance, or is currently carrying flood insurance.
Managing 10 to 50-plus units? Order lease reports in bulk under a single corporate account. One pipeline view. One bill. Choose Pay at the Close of Escrow, Send to Seller, or Pay Now.
Tenant-friendly AI summary
Map-version-cited determinations
AB 646 compliant
CHECK YOUR RENTAL PROPERTY
Is your rental in a hazard zone? Check any California address — free
FREE · NO ACCOUNT REQUIRED
Is your property in a hazard zone?
Enter any California address and see the mapped state and federal hazard zones instantly — flood, fire, fault, seismic, and dam inundation. Free, instant, straight from government GIS.
Step 1 of 2 — Property address
No account required · Results in seconds
What you'll get
- Instant hazard-zone summary for the property
- AI empowered plain-English explanation summary
- Option to order the full statutory NHD report
Your information is only used to deliver your hazard summary and report options.
Pricing & Coverage
Transparent Pricing. Comprehensive Coverage.
View pricing and coverage samples.
See how we compare to other California NHD providers →
Wondering about your total property costs? Try our free California property tax calculator.
eSignature included with every report — one-click signature routing to all parties, no DocuSign℠, no marking-up, no per-envelope fees.
FREQUENTLY ASKED QUESTIONS
Is a lease hazard report required by law?
AB 646 (Government Code § 8589.45) requires flood-hazard disclosure to tenants before lease signing whenever the landlord has actual knowledge that the property is in a flood hazard area, has been told so by a public agency, is required to carry flood insurance by a lender, or is currently carrying flood insurance. The full lease hazard report is best practice — it packages the AB 646 disclosure with the rest of the tenant-facing hazard picture.
Do I need a new report for every lease renewal?
Recommended, especially when the underlying hazard maps have been updated. FEMA and Cal Fire republish maps on a rolling basis; renewing the report at renewal keeps the disclosure current and the acknowledgement fresh.
Can I order for my entire portfolio at once?
Yes. Corporate accounts support batch ordering across every unit and every property in the portfolio, with one bill, one dashboard, and one pipeline view.
What's the difference between a lease report and a residential NHD?
Scope and format. The lease report is streamlined for landlord-tenant use — a compact 5-page format with the AB 646 flood disclosure table, all six statutory hazards, tax data, water-conserving fixtures advisory, and a landlord/tenant acknowledgement block. The residential NHD is built for a sale transaction and carries the seller/buyer disclosure statement.
Comply with AB 646 in minutes.
Order a lease hazard report and hand your tenant a complete disclosure at signing — professional, compliant, done.
Built by a California real estate professional for the way real estate actually works.
Choose Pay at the Close of Escrow, Send to Seller, or Pay Now on every order.
Three ways to pay. Zero friction.
Send to Seller
The seller pays from a secure link. The report generates the moment they pay.
Pay Now
Pay by card. Your report generates immediately.
Reports generate right away on every path except Send to Seller, which generates when the seller pays.