the whole country · draft v0.2

Every county: what the covers cost, and how often FEMA pulled the trigger

Two covers, one FEMA trigger. Hurricane: pays when FEMA designates the county after a named storm; the track layers show how often a hurricane physically got there. Non-named storms, in green: a second cover for floods, tornadoes and severe storms anywhere in the country. Pick a layer, hover or tap a county.

Hurricanenamed storms FEMA Track

Non-named stormsfloods, tornadoes, severe storms FEMA

$ price per year for a $2,500 payout5y · 10y · 15y share of the last 5, 10 or 15 years in which FEMA designated the county for Individual AssistanceEye a hurricane's centre crossed the countyWind hurricane-force winds (64 kt+) reached the countyCat strongest category in the county, 20 yrsFEMA what the cover actually pays onTrack NOAA best track, the physical check

Alaska and Hawaii are drawn; Puerto Rico and the territories are priced in the data but not drawn on this projection. Prices: 20-year declaration frequency blended with the state average, 55% expected loss ratio, $12 fee. Sources: OpenFEMA, refreshed 2026-10-11; NOAA HURDAT2 best track (Atlantic and NE Pacific, 2004 to 2025) plus NHC's preliminary best track for the 2026 season including Isaias. "Centre crossed" means the hourly-interpolated track centre entered the county while maximum sustained winds were 64 kt or more; "hurricane-force winds" means the county touched the storm's 64-kt wind-radii footprint. Post-tropical landfalls at hurricane strength, such as Sandy in 2012, count. Indication only, not insurance.