Paste a list of ZIPs (one per line) and get the aggregate hazard-insurance drag across your portfolio: total dollars, weighted percent of value, dominant hazard per property, and the 2–3 properties driving most of the risk. A screen, not a quote.
Every number flows from the same per-ZIP model behind climate-yield: NAIC 2022 per-state landlord (DP-3) rate, scaled by the ZIP’s FEMA National Risk Index composite score. The hazard→premium curve is a labeled assumption. Carrier filings are not public at ZIP granularity, so treat this as a relative exposure read on your portfolio — not a binding premium.
One ZIP per line. Optional second field per row to override
home value (any of: 75070, 450000 · 75070 450000
· 75070 450k). If you omit a value, we use the
ZIP’s ZHVI/ACS median home value. ZIPs outside our 29,734-ZIP
coverage are flagged honestly, not guessed.
Dominant hazard is the highest of the ZIP’s FEMA hurricane / wildfire sub-scores carried in the dataset; “mixed” means a high composite risk with no single dominant peril.
| # | ZIP | County | St | Value | Drag %/yr | Drag $/yr | Dom. hazard | FEMA risk |
|---|