Side-by-side, source-cited.
Climate risk per peril (six perils), median home price + rent, state and property tax, effective annual tax-swing illustration at your income and home value, and homeowners insurance market availability per state — all from federal or state agency sources, all cited.
Side-by-side, source-cited.
Climate risk per peril · cost of living · property + income tax · admitted-market homeowners availability.
What the scores mean
Climate risk score (0–100). Six perils — wildfire, hurricane, drought, sea-level rise, water stress, extreme heat — each scored 0–100 from a federal source. Blended score weights hurricane + wildfire at 25% each, sea-level rise and water stress at 15% each, drought and extreme heat at 10% each. Documented at /why.
Insurance availability index (0–100). 100 = competitive admitted market; 0 = effectively closed admitted market. Premium pressure scored separately (YoY % change). Source: state DOI + NAIC.
Tax-swing illustration. Applies state top-marginal income tax to your income and the statewide-average effective property tax rate to your home value. Real liability depends on filing status, deductions, county millage, homestead exemptions, and (in CA) Prop 13 caps.