Real ChatGPT answer · index seedIXItcNlCqOEcompleteReal estate · buying a homeinformational

What factors do insurance companies look at most when determining homeowners insurance costs for properties located in flood zones or wildfire areas?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What factors do insurance companies look at most when determining homeowners insurance costs for properties located in flood zones or wildfire areas?
2 real searches · 1 real-search pass
homeowners insurance wildfire risk rating factors roof defensible space distance fire station state insurance departmentGoogle ↗
OBSERVED
flood insurance premium rating factors elevation distance water source flood frequency building characteristics FEMA Risk Rating 2.0Google ↗
OBSERVED

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

Classifying 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
homeowners insurance wildfire risk rating factors roof defensible space distance fire station state insurance department Google ↗
flood insurance premium rating factors elevation distance water source flood frequency building characteristics FEMA Risk Rating 2.0 Google ↗
  1. Rate Explanation Guide · fema.gov
  2. FEMA Fact Sheet · agents.floodsmart.gov
  3. What is My Flood Risk · floodsmart.gov
  4. Wildfires and insurance · insurance.wa.gov
  5. Division of Financial Regulation : Help with home insurance : Home insurance : State of Oregon · dfr.oregon.gov
  6. homeowners-rates · insurance.maryland.gov
  7. Factors Affecting Your Premium · maine.gov
  8. FloodSmart · floodsmart.gov

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
homeowners insurance wildfire risk rating factors roof defensible space distance fire station state insurance department
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
flood insurance premium rating factors elevation distance water source flood frequency building characteristics FEMA Risk Rating 2.0
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1