How the Florida Home Risk Report is scored

The four axes

Roof (ZIP): roof_score = 0.55×cliff_component + 0.45×age_component. Age tiers: <10yr→15, 10–12→35, 13–15→75, 16–20→90, >20→100. Missing age → cliff_pct alone, renormalized (never treated as 0).

Flood (county, FEMA NRI): Very Low→15, Relatively Low→30, Relatively Moderate→50, Relatively High→70, Very High→90, plus up to +10 from the national percentile (min(10, percentile/10)), capped at 100.

Storm (county, NOAA reports over 10yr): 0–10 events→20, 11–40→40, 41–80→60, 81–150→75, 151+→90. Counts official severe-weather reports — never a prediction your property will be hit.

Housing (county census): pct_pre_1980 ≥50%→80, 35–49%→60, 20–34%→40, <20%→25 (median-year-built fallback when the pct figure is unavailable).

Overall (only when all 4 axes resolve): 0.35×roof + 0.30×flood + 0.20×storm + 0.15×housing, rounded. If any axis is missing, overall is null — never silently reweighted.

Tiers: 0–24 Low · 25–49 Elevated · 50–74 High · 75–100 Severe.

What this is NOT

Not a professional home inspection. Not a contractor bid. Not an insurance quote or binding underwriting determination. Not an SFHA/flood-zone determination for your specific parcel — FEMA NRI is a county-level relative-risk model, not a parcel lookup. Not a prediction that your property specifically will be hit by a storm.

Data sources

Roof-age samples: our own local roof-age index, ZIP-level, published only when the sample is large enough to protect privacy (K-anonymity ≥25 homes). Flood: FEMA National Risk Index (county). Storm: NOAA Storm Events Database, official severe-weather reports (county, 10-year window). Housing age: U.S. Census Bureau American Community Survey (county).