How the National Property Risk Index is calculated.

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 views request feeds such as NWS alerts, SPC outlooks, and NHC active storms separately from stored hazard scores. Refresh timing varies by feed and cache; a view’s assembly time is not the observation time of every source.

AQI scores use the latest ingested AirNow grid and can contribute to composite scores. This stored snapshot is not a continuously refreshed AQI reading. Check its recorded ingest date below and consult AirNow for current conditions.

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 Do not cite them as official warnings, insurance prices, engineering findings, or parcel-level loss predictions.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.