About Insurance Data Hub

Insurance Data Hub was created to democratize access to complex climate and insurance risk data. We believe that understanding the intersection of natural hazards, housing costs, and insurance premiums is critical for informed decisions.

Our Methodology

We combine federal datasets with public insurance statistics to generate our 6-axis composite score: Climate Safety, Insurance Affordability, Housing Affordability, Community Resilience, Social Resilience, and Housing Stability. All scores are normalized as percentile ranks across all U.S. counties.

Licensing and Attribution

• Climate Risk Data: FEMA National Risk Index (NRI). Public Domain (U.S. Federal Government).
• Demographic & Housing Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates. Public Domain (CC0 1.0).
• Insurance Premiums: Statewide average premiums are cited from the Triple-I (Insurance Information Institute) and NAIC public reports. Used under Fair Use for analytical comparison. Not endorsed by Triple-I or NAIC.

Disclaimer

The data, scores, and tools provided on this website are for informational and educational purposes only. We do not provide financial, insurance, or real estate advice. Insurance premiums vary significantly by individual property characteristics, ZIP code, and carrier. Always consult with a licensed insurance professional for accurate quotes.