Herkimer County, NY
Composite Insurance Risk Score: 67.7 / 100 (National rank: #479)
Axis Scores
Climate Safety
65.2
Insurance Affordability
58.2
Housing Affordability
84.6
Community Resilience
84.4
Social Resilience
63.7
Housing Stability
61.0
Key Metrics
| Annual Insurance Premium (state avg) | $1,700 |
| Insurance Burden (% of income) | 2.48% |
| Price-to-Income Ratio | 2.16 |
| FEMA Risk Score (0-100) | 34.7 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).