Aggregate insurance-risk exposure across a property portfolio
Paste any list of U.S. ZIP codes — your portfolio, a market you're underwriting, or a comparison set. The report shows total insurance drag, FEMA risk distribution, hazard breakdown, and yield impact for each property. Covers 29,734 U.S. ZIPs.
FEMA National Risk Index composite score: Very Low / Relatively Low / Relatively Moderate / Relatively High / Very High. Scores above 80 indicate significant natural hazard exposure.
Climate-adjusted yield subtracts estimated annual insurance drag from gross yield. The gap shows how much hazard exposure costs relative to rent income. Sorted by widest drag.
| ZIP | St | County | Home value | Rent/mo | FEMA score | Risk rating | Ins. drag/yr | Gross yield | Climate yield | Drag % |
|---|
Insurance drag = state DP-3 landlord insurance rate (NAIC 2022) × FEMA NRI hazard multiplier.
The hazard multiplier scales the base rate up when a ZIP's composite FEMA risk score exceeds the national median.
Formula: multiplier = 1 + 0.6 × (fema_risk_score / 100).
This is a screening estimate, not an insurance quote — actual premiums vary by carrier, property condition,
coverage limit, and deductible. Data: FEMA National Risk Index 2023, NAIC DP-3 rates by state 2022,
Zillow ZHVI/ZORI 2024–2025.
Gross yield = annual rent / home value (no operating costs). Climate-adjusted yield = gross yield − insurance_drag_pct. Does not include property tax, maintenance, vacancy, or debt service — those appear in the DSCR model.
Select a preset portfolio or paste ZIP codes above, then click Analyze portfolio.