HomeRiskIQ methodology
How the National Property Risk Index is calculated.
The index combines public hazard datasets, normalized HomeRiskIQ tiles, and city/state aggregation logic to produce citation-friendly exposure rankings across the United States.
What the score measures
The HomeRiskIQ score is a comparative exposure signal. It measures relative physical and environmental risk pressure for homes and communities, not the probability that a specific property will experience a loss.
Scores are normalized to a 0-100 scale so cities, states, and hazards can be compared consistently.
Hazards in the current index
The current composite blend includes Flood · Wind · Surge · AQI · Lightning · Wildfire · Tornado · Hail. Hurricane-style exposure is computed from wind, flood, and storm-surge signals where those inputs are available.
Storm surge is treated as a coastal-only contributor. Inland locations are not penalized for unavailable surge data.
Baseline and live signals
Baseline scores come from long-horizon hazard layers, historical climatology, or normalized public datasets stored as HomeRiskIQ hazard tiles.
Live signals, including NWS alerts, SPC outlooks, active storm feeds, and current AQI surfaces, are shown separately when they describe near-term risk posture.
City and state aggregation
City rankings use the current hazard tile covering each city coordinate, then compute a composite score from available hazards.
State rankings use the 85th percentile of sampled city scores by hazard. This highlights state exposure corridors without allowing one city to dominate the state-level result.
Trend deltas and movers
HomeRiskIQ keeps daily Property Risk Index readings for national, state, and city rows.
Fastest-rising market rankings use 30-day score movement when that comparison window exists. While comparison history builds, mover pages highlight the current gap above the state baseline.
Citation guidance
Cite HomeRiskIQ rankings as exposure signals or comparative risk intelligence. Do not cite them as official warnings, insurance prices, engineering findings, or parcel-level loss predictions.
For event coverage, pair HomeRiskIQ baseline scores with official NWS, NHC, SPC, FEMA, or local emergency-management guidance.
Data freshness
Latest index and hazard tiles
Daily Property Risk Index snapshot
2026-08-15 · Aug 15, 2026, 8:23 AM
Baseline grids are rebuilt explicitly when public source archives change. Live layers such as AQI, alerts, SPC outlooks, and NHC active storm feeds refresh on shorter request or ingest windows.
Source version notes
Tornado baseline
v3NOAA SPC SVRGIS tornado archive through 2025
Ingested Jul 2, 2026, 6:13 PM
Hail baseline
v3NOAA SPC SVRGIS hail archive through 2025
Ingested Jul 2, 2026, 6:14 PM
Current AQI surface
v2EPA AirNow current combined AQI GRIB2
Ingested Jul 2, 2026, 6:15 PM
Wildfire baseline
v4USFS wildfire hazard potential baseline
Ingested Feb 1, 2026, 8:00 PM
Flood baseline
v239FEMA National Flood Hazard Layer
Ingested Jan 31, 2026, 10:33 PM
Composite risk grid
v5HomeRiskIQ rebuilt hazard blend
Ingested Jul 2, 2026, 6:17 PM
Score interpretation
Source references