The trigger does not change: FEMA designates the county, the policy pays. What changes is who pays how much. Each county's pool is redistributed across its census block groups (a few streets of a town) by hurricane track proximity, modelled wind and distance to the ocean for the hurricane cover, and by tornado paths, flash floods and damaging wind for the non-named storm cover. The household-weighted mean of the block-group prices equals the county price. Zoom in or type an address.
Block groups: Census 2023 cartographic boundaries, 242,298 polygons. Hurricane factors: NOAA HURDAT2 tracks 1976 to 2026 with a 30-mile proximity kernel, modelled peak wind from the 2004+ wind radii, distance to the ocean. Storm factors: NOAA Storm Events 2006 to 2025 (tornado paths, flash floods, damaging wind). The within-county index is clipped at one standard deviation and scaled so the household-weighted mean price equals the county price; counties with fewer than four priced block groups or 100 households keep a flat price. Surge zones and FEMA flood-zone share are shown for reference and will enter the index in the next version. Indication only, not insurance.