Three views of the same country. FEMA layers: the yearly price of a $2,500 payout, and the share of recent years in which FEMA designated the county for Individual Assistance after a hurricane or tropical storm. Storm track layers, from NOAA's best track: the share of years in which a hurricane's centre crossed the county, or its hurricane-force winds reached it. Named storms only, at hurricane strength only. Non-named storm layers, in green: a second, separately priced cover that pays on the same FEMA mechanism when the county is designated after a severe storm, flood, tornado, straight-line wind, coastal storm, landslide or dam failure. Hover or tap a county.
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.