Risk-adjusted screening

How to compare rental yield with climate risk without subtracting unlike percentages

How should gross yield and expected annual loss share the same decision frame?

Gross yield and climate risk can both be percentages, but subtracting one from the other creates a result with no defensible meaning. Gross yield compares rent with value before expenses. FEMA expected annual loss describes modeled hazard loss relative to building and population value.

RentMarker places the measures on separate axes and uses current medians to create a screening matrix. The quadrants identify markets where an attractive rent-to-value relationship coincides with relatively higher or lower modeled loss. They do not calculate insurance, cap rate or a risk-adjusted return.

Keep opportunity and hazard visible together. Do not manufacture a combined percentage that neither source supports.
Current evidence

Gross yield beside expected annual loss

The quadrant chart keeps the two definitions intact and labels the leading natural-hazard context from the current FEMA research contract.

696 metros with direct yield and FEMA evidence

Gross yield and annualized building-loss exposure

Upper-left clears the two median rules. Dot size represents metro population.

Metro gross yield compared with FEMA annualized building-loss exposureScatter plot of every complete metro. Median gross yield and median FEMA annualized building-loss ratio divide the chart into four descriptive groups. The upper-left group has yield at or above the median and loss exposure at or below the median.0.00%0.21%0.43%0.64%0.85%1.06%2.5%4.9%7.3%9.7%12.1%14.4%median loss 0.143%median yield 5.9%Roanoke Rapids, NC: 11.7% gross yield, 0.127% FEMA annualized building-loss ratio, -0.9% jobsMacomb, IL: 11.1% gross yield, 0.118% FEMA annualized building-loss ratio, -3.5% jobsDanville, IL: 10.7% gross yield, 0.127% FEMA annualized building-loss ratio, -2.4% jobsHoughton, MI: 10.7% gross yield, 0.089% FEMA annualized building-loss ratio, -0.9% jobsSault Ste. Marie, MI: 10.2% gross yield, 0.061% FEMA annualized building-loss ratio, -1.4% jobsOzark, AL: 10.1% gross yield, 0.130% FEMA annualized building-loss ratio, 0.2% jobsDecatur, IL: 9.7% gross yield, 0.140% FEMA annualized building-loss ratio, -0.5% jobsOgdensburg, NY: 9.3% gross yield, 0.119% FEMA annualized building-loss ratio, 0.1% jobsMonroe, LA: 9.1% gross yield, 0.103% FEMA annualized building-loss ratio, 1.1% jobsPottsville, PA: 9.0% gross yield, 0.131% FEMA annualized building-loss ratio, 0.1% jobsSomerset, KY: 8.9% gross yield, 0.131% FEMA annualized building-loss ratio, 1.5% jobsMount Pleasant, TX: 8.8% gross yield, 0.114% FEMA annualized building-loss ratio, -7.3% jobsShreveport, LA: 8.8% gross yield, 0.123% FEMA annualized building-loss ratio, 0.0% jobsLaurel, MS: 8.7% gross yield, 0.142% FEMA annualized building-loss ratio, 0.8% jobsSumter, SC: 8.6% gross yield, 0.132% FEMA annualized building-loss ratio, 0.3% jobsJohnstown, PA: 8.6% gross yield, 0.080% FEMA annualized building-loss ratio, -1.0% jobsWichita Falls, TX: 8.5% gross yield, 0.119% FEMA annualized building-loss ratio, -0.3% jobsDuBois, PA: 8.5% gross yield, 0.114% FEMA annualized building-loss ratio, 0.0% jobsElmira, NY: 8.4% gross yield, 0.097% FEMA annualized building-loss ratio, 0.0% jobsSandusky, OH: 8.4% gross yield, 0.114% FEMA annualized building-loss ratio, 2.1% jobsDel Rio, TX: 8.3% gross yield, 0.092% FEMA annualized building-loss ratio, -1.1% jobsGreenwood, SC: 8.3% gross yield, 0.103% FEMA annualized building-loss ratio, 2.2% jobsWaycross, GA: 8.2% gross yield, 0.143% FEMA annualized building-loss ratio, -0.1% jobsJacksonville, TX: 8.1% gross yield, 0.108% FEMA annualized building-loss ratio, 0.8% jobsPeoria, IL: 8.1% gross yield, 0.124% FEMA annualized building-loss ratio, -0.2% jobsMarion, OH: 8.1% gross yield, 0.104% FEMA annualized building-loss ratio, 0.1% jobsDanville, VA: 8.0% gross yield, 0.100% FEMA annualized building-loss ratio, -1.2% jobsWilson, NC: 7.9% gross yield, 0.127% FEMA annualized building-loss ratio, -0.5% jobsLaGrange, GA: 7.9% gross yield, 0.106% FEMA annualized building-loss ratio, 1.4% jobsEl Paso, TX: 7.9% gross yield, 0.087% FEMA annualized building-loss ratio, 0.6% jobsVidalia, GA: 7.8% gross yield, 0.115% FEMA annualized building-loss ratio, -0.7% jobsLufkin, TX: 7.8% gross yield, 0.104% FEMA annualized building-loss ratio, -3.0% jobsAlexandria, LA: 7.8% gross yield, 0.112% FEMA annualized building-loss ratio, -0.1% jobsPittsburgh, PA: 7.8% gross yield, 0.113% FEMA annualized building-loss ratio, 0.0% jobsNewberry, SC: 7.7% gross yield, 0.120% FEMA annualized building-loss ratio, 2.1% jobsSaginaw, MI: 7.7% gross yield, 0.140% FEMA annualized building-loss ratio, 1.6% jobsDurant, OK: 7.7% gross yield, 0.135% FEMA annualized building-loss ratio, -0.1% jobsMartinsville, VA: 7.6% gross yield, 0.103% FEMA annualized building-loss ratio, -4.3% jobsBatavia, NY: 7.6% gross yield, 0.115% FEMA annualized building-loss ratio, 0.9% jobsChicago, IL: 7.6% gross yield, 0.128% FEMA annualized building-loss ratio, 0.1% jobsTupelo, MS: 7.5% gross yield, 0.128% FEMA annualized building-loss ratio, -0.9% jobsBay City, MI: 7.5% gross yield, 0.129% FEMA annualized building-loss ratio, 0.3% jobsMacon, GA: 7.4% gross yield, 0.085% FEMA annualized building-loss ratio, 0.5% jobsWatertown, NY: 7.4% gross yield, 0.093% FEMA annualized building-loss ratio, 1.7% jobsAltoona, PA: 7.4% gross yield, 0.104% FEMA annualized building-loss ratio, -0.1% jobsToledo, OH: 7.4% gross yield, 0.107% FEMA annualized building-loss ratio, -1.6% jobsRuston, LA: 7.4% gross yield, 0.114% FEMA annualized building-loss ratio, 2.6% jobsTroy, AL: 7.4% gross yield, 0.117% FEMA annualized building-loss ratio, -0.2% jobsWarner Robins, GA: 7.3% gross yield, 0.085% FEMA annualized building-loss ratio, -1.3% jobsLaredo, TX: 7.3% gross yield, 0.076% FEMA annualized building-loss ratio, 1.1% jobsColumbus, GA: 7.3% gross yield, 0.103% FEMA annualized building-loss ratio, -0.2% jobsAuburn, NY: 7.3% gross yield, 0.128% FEMA annualized building-loss ratio, 1.3% jobsHillsdale, MI: 7.3% gross yield, 0.095% FEMA annualized building-loss ratio, -4.0% jobsStarkville, MS: 7.3% gross yield, 0.127% FEMA annualized building-loss ratio, 1.0% jobsOdessa, TX: 7.3% gross yield, 0.126% FEMA annualized building-loss ratio, 0.0% jobsPalestine, TX: 7.3% gross yield, 0.094% FEMA annualized building-loss ratio, 2.1% jobsDublin, GA: 7.2% gross yield, 0.095% FEMA annualized building-loss ratio, 2.2% jobsColumbia, SC: 7.2% gross yield, 0.128% FEMA annualized building-loss ratio, 0.3% jobsSpringfield, IL: 7.2% gross yield, 0.123% FEMA annualized building-loss ratio, -3.0% jobsLima, OH: 7.2% gross yield, 0.127% FEMA annualized building-loss ratio, 0.1% jobsTifton, GA: 7.2% gross yield, 0.096% FEMA annualized building-loss ratio, -0.6% jobsValdosta, GA: 7.2% gross yield, 0.111% FEMA annualized building-loss ratio, -0.7% jobsCalhoun, GA: 7.2% gross yield, 0.118% FEMA annualized building-loss ratio, -0.2% jobsEast Stroudsburg, PA: 7.2% gross yield, 0.099% FEMA annualized building-loss ratio, 0.9% jobsSanford, NC: 7.2% gross yield, 0.122% FEMA annualized building-loss ratio, -0.6% jobsVineland, NJ: 7.2% gross yield, 0.105% FEMA annualized building-loss ratio, -0.9% jobsColdwater, MI: 7.1% gross yield, 0.109% FEMA annualized building-loss ratio, -1.3% jobsSyracuse, NY: 7.1% gross yield, 0.101% FEMA annualized building-loss ratio, 1.2% jobsUtica, NY: 7.1% gross yield, 0.106% FEMA annualized building-loss ratio, -0.3% jobsAugusta, GA: 7.1% gross yield, 0.108% FEMA annualized building-loss ratio, 0.5% jobsSpringfield, OH: 7.1% gross yield, 0.101% FEMA annualized building-loss ratio, -1.7% jobsBattle Creek, MI: 7.0% gross yield, 0.102% FEMA annualized building-loss ratio, 0.7% jobsEagle Pass, TX: 7.0% gross yield, 0.061% FEMA annualized building-loss ratio, 2.1% jobsDalton, GA: 7.0% gross yield, 0.120% FEMA annualized building-loss ratio, -2.3% jobsMarion, IN: 7.0% gross yield, 0.128% FEMA annualized building-loss ratio, 0.7% jobsRockford, IL: 7.0% gross yield, 0.133% FEMA annualized building-loss ratio, -1.4% jobsYoungstown, OH: 7.0% gross yield, 0.077% FEMA annualized building-loss ratio, -0.7% jobsTerre Haute, IN: 6.9% gross yield, 0.138% FEMA annualized building-loss ratio, 0.5% jobsCleveland, OH: 6.9% gross yield, 0.081% FEMA annualized building-loss ratio, -0.1% jobsAlbemarle, NC: 6.9% gross yield, 0.141% FEMA annualized building-loss ratio, -0.9% jobsSedalia, MO: 6.9% gross yield, 0.127% FEMA annualized building-loss ratio, 1.1% jobsHickory, NC: 6.8% gross yield, 0.118% FEMA annualized building-loss ratio, -0.7% jobsFayetteville, NC: 6.8% gross yield, 0.129% FEMA annualized building-loss ratio, -1.3% jobsScranton, PA: 6.8% gross yield, 0.130% FEMA annualized building-loss ratio, 0.1% jobsLogansport, IN: 6.8% gross yield, 0.138% FEMA annualized building-loss ratio, -1.4% jobsMuncie, IN: 6.8% gross yield, 0.119% FEMA annualized building-loss ratio, -0.3% jobsBlacksburg, VA: 6.8% gross yield, 0.088% FEMA annualized building-loss ratio, -1.9% jobsDetroit, MI: 6.7% gross yield, 0.091% FEMA annualized building-loss ratio, -0.7% jobsSan Angelo, TX: 6.7% gross yield, 0.097% FEMA annualized building-loss ratio, 0.3% jobsSterling, IL: 6.7% gross yield, 0.136% FEMA annualized building-loss ratio, -3.1% jobsGaffney, SC: 6.7% gross yield, 0.121% FEMA annualized building-loss ratio, 0.7% jobsSouth Bend, IN: 6.7% gross yield, 0.069% FEMA annualized building-loss ratio, -0.7% jobsWaco, TX: 6.6% gross yield, 0.077% FEMA annualized building-loss ratio, 0.7% jobsFreeport, IL: 6.6% gross yield, 0.125% FEMA annualized building-loss ratio, -2.1% jobsWinston, NC: 6.6% gross yield, 0.125% FEMA annualized building-loss ratio, 0.8% jobsLongview, TX: 6.6% gross yield, 0.108% FEMA annualized building-loss ratio, 0.2% jobsFlint, MI: 6.6% gross yield, 0.097% FEMA annualized building-loss ratio, 0.5% jobsKingsport, TN: 6.6% gross yield, 0.104% FEMA annualized building-loss ratio, 1.2% jobsMidland, MI: 6.5% gross yield, 0.125% FEMA annualized building-loss ratio, -2.5% jobsMilledgeville, GA: 6.5% gross yield, 0.112% FEMA annualized building-loss ratio, 2.3% jobsRochester, NY: 6.5% gross yield, 0.082% FEMA annualized building-loss ratio, 0.4% jobsRome, GA: 6.5% gross yield, 0.135% FEMA annualized building-loss ratio, -0.7% jobsBangor, ME: 6.5% gross yield, 0.109% FEMA annualized building-loss ratio, -0.2% jobsGainesville, TX: 6.5% gross yield, 0.121% FEMA annualized building-loss ratio, 1.4% jobsShelby, NC: 6.5% gross yield, 0.111% FEMA annualized building-loss ratio, -0.8% jobsSpartanburg, SC: 6.4% gross yield, 0.108% FEMA annualized building-loss ratio, 0.7% jobsDanville, KY: 6.4% gross yield, 0.121% FEMA annualized building-loss ratio, 0.7% jobsJamestown, NY: 6.4% gross yield, 0.138% FEMA annualized building-loss ratio, 0.2% jobsCorsicana, TX: 6.4% gross yield, 0.091% FEMA annualized building-loss ratio, 1.2% jobsCedartown, GA: 6.4% gross yield, 0.142% FEMA annualized building-loss ratio, 0.6% jobsKilleen, TX: 6.4% gross yield, 0.100% FEMA annualized building-loss ratio, 0.2% jobsGreensboro, NC: 6.3% gross yield, 0.118% FEMA annualized building-loss ratio, 0.5% jobsMeadville, PA: 6.3% gross yield, 0.099% FEMA annualized building-loss ratio, 0.4% jobsPlatteville, WI: 6.3% gross yield, 0.102% FEMA annualized building-loss ratio, -1.1% jobsIndianapolis, IN: 6.3% gross yield, 0.122% FEMA annualized building-loss ratio, -0.4% jobsBloomington, IL: 6.3% gross yield, 0.130% FEMA annualized building-loss ratio, -1.5% jobsTyler, TX: 6.3% gross yield, 0.065% FEMA annualized building-loss ratio, 1.5% jobsSeneca, SC: 6.2% gross yield, 0.119% FEMA annualized building-loss ratio, 2.8% jobsAkron, OH: 6.2% gross yield, 0.079% FEMA annualized building-loss ratio, -0.5% jobsKokomo, IN: 6.2% gross yield, 0.097% FEMA annualized building-loss ratio, -2.0% jobsClinton, IA: 6.2% gross yield, 0.136% FEMA annualized building-loss ratio, -0.1% jobsCedar Rapids, IA: 6.2% gross yield, 0.124% FEMA annualized building-loss ratio, -2.1% jobsElizabethtown, KY: 6.2% gross yield, 0.127% FEMA annualized building-loss ratio, -0.4% jobsDavenport, IA: 6.2% gross yield, 0.130% FEMA annualized building-loss ratio, -0.5% jobsJohnson City, TN: 6.2% gross yield, 0.103% FEMA annualized building-loss ratio, -0.3% jobsLansing, MI: 6.2% gross yield, 0.109% FEMA annualized building-loss ratio, -1.1% jobsOxford, MS: 6.1% gross yield, 0.123% FEMA annualized building-loss ratio, 2.9% jobsHarrisonburg, VA: 6.1% gross yield, 0.135% FEMA annualized building-loss ratio, 0.8% jobsSulphur Springs, TX: 6.1% gross yield, 0.134% FEMA annualized building-loss ratio, 2.3% jobsJefferson, GA: 6.1% gross yield, 0.091% FEMA annualized building-loss ratio, -2.6% jobsFort Leonard Wood, MO: 6.1% gross yield, 0.138% FEMA annualized building-loss ratio, -1.4% jobsState College, PA: 6.1% gross yield, 0.070% FEMA annualized building-loss ratio, 2.3% jobsJasper, IN: 6.1% gross yield, 0.133% FEMA annualized building-loss ratio, -0.6% jobsAlbert Lea, MN: 6.1% gross yield, 0.124% FEMA annualized building-loss ratio, -1.5% jobsCincinnati, OH: 6.1% gross yield, 0.105% FEMA annualized building-loss ratio, 0.2% jobsSeymour, IN: 6.0% gross yield, 0.125% FEMA annualized building-loss ratio, -1.5% jobsIndiana, PA: 6.0% gross yield, 0.094% FEMA annualized building-loss ratio, 0.8% jobsAllentown, PA: 6.0% gross yield, 0.121% FEMA annualized building-loss ratio, 1.1% jobsCanton, OH: 6.0% gross yield, 0.085% FEMA annualized building-loss ratio, -0.3% jobsNacogdoches, TX: 6.0% gross yield, 0.115% FEMA annualized building-loss ratio, -2.6% jobsBennington, VT: 6.0% gross yield, 0.129% FEMA annualized building-loss ratio, -3.0% jobsColumbus, IN: 6.0% gross yield, 0.142% FEMA annualized building-loss ratio, -1.3% jobsWinchester, VA: 6.0% gross yield, 0.101% FEMA annualized building-loss ratio, 0.3% jobsBemidji, MN: 6.0% gross yield, 0.129% FEMA annualized building-loss ratio, -1.1% jobsMount Vernon, OH: 6.0% gross yield, 0.109% FEMA annualized building-loss ratio, -0.9% jobsHenderson, NC: 6.0% gross yield, 0.095% FEMA annualized building-loss ratio, -0.2% jobsDuluth, MN: 6.0% gross yield, 0.108% FEMA annualized building-loss ratio, -0.5% jobsSpringfield, MA: 6.0% gross yield, 0.129% FEMA annualized building-loss ratio, -0.3% jobsRichmond, IN: 6.0% gross yield, 0.131% FEMA annualized building-loss ratio, 0.3% jobsMorristown, TN: 6.0% gross yield, 0.090% FEMA annualized building-loss ratio, -1.1% jobsVirginia Beach, VA: 6.0% gross yield, 0.091% FEMA annualized building-loss ratio, -0.4% jobsHolland, MI: 6.0% gross yield, 0.100% FEMA annualized building-loss ratio, -0.8% jobsSalem, OH: 6.0% gross yield, 0.105% FEMA annualized building-loss ratio, -0.9% jobsGreenville, SC: 5.9% gross yield, 0.120% FEMA annualized building-loss ratio, 1.4% jobsBuffalo, NY: 5.9% gross yield, 0.121% FEMA annualized building-loss ratio, 0.6% jobsWaterloo, IA: 5.9% gross yield, 0.112% FEMA annualized building-loss ratio, -2.2% jobsBucyrus, OH: 5.9% gross yield, 0.130% FEMA annualized building-loss ratio, -1.7% jobsFort Wayne, IN: 5.9% gross yield, 0.111% FEMA annualized building-loss ratio, 0.7% jobsMidland, TX: 5.9% gross yield, 0.111% FEMA annualized building-loss ratio, 0.3% jobsMeridian, MS: 13.9% gross yield, 0.143% FEMA annualized building-loss ratio, -2.4% jobsWoodward, OK: 13.6% gross yield, 0.169% FEMA annualized building-loss ratio, -2.3% jobsKingsville, TX: 11.5% gross yield, 0.297% FEMA annualized building-loss ratio, 1.4% jobsAbilene, TX: 10.6% gross yield, 0.157% FEMA annualized building-loss ratio, 0.8% jobsEnid, OK: 10.5% gross yield, 0.163% FEMA annualized building-loss ratio, -0.6% jobsAltus, OK: 10.3% gross yield, 1.022% FEMA annualized building-loss ratio, -2.8% jobsOpelousas, LA: 10.2% gross yield, 0.199% FEMA annualized building-loss ratio, 1.8% jobsLumberton, NC: 10.2% gross yield, 0.184% FEMA annualized building-loss ratio, -1.7% jobsCharleston, WV: 10.1% gross yield, 0.353% FEMA annualized building-loss ratio, -0.7% jobsPine Bluff, AR: 10.0% gross yield, 0.161% FEMA annualized building-loss ratio, -0.4% jobsMorgan City, LA: 9.8% gross yield, 0.422% FEMA annualized building-loss ratio, -2.1% jobsRoswell, NM: 9.8% gross yield, 0.324% FEMA annualized building-loss ratio, -1.6% jobsOrangeburg, SC: 9.5% gross yield, 0.177% FEMA annualized building-loss ratio, -0.2% jobsPlainview, TX: 9.3% gross yield, 0.249% FEMA annualized building-loss ratio, 0.2% jobsClewiston, FL: 9.2% gross yield, 0.233% FEMA annualized building-loss ratio, 2.3% jobsGoldsboro, NC: 9.1% gross yield, 0.170% FEMA annualized building-loss ratio, -1.2% jobsPaducah, KY: 9.0% gross yield, 0.292% FEMA annualized building-loss ratio, 0.6% jobsEnterprise, AL: 9.0% gross yield, 0.157% FEMA annualized building-loss ratio, 1.1% jobsColumbus, MS: 8.9% gross yield, 0.175% FEMA annualized building-loss ratio, -0.9% jobsClovis, NM: 8.9% gross yield, 0.228% FEMA annualized building-loss ratio, -1.4% jobsCorning, NY: 8.8% gross yield, 0.144% FEMA annualized building-loss ratio, 0.0% jobsOil City, PA: 8.8% gross yield, 0.146% FEMA annualized building-loss ratio, -0.6% jobsBorger, TX: 8.7% gross yield, 0.212% FEMA annualized building-loss ratio, 4.0% jobsThomasville, GA: 8.7% gross yield, 0.148% FEMA annualized building-loss ratio, -0.2% jobsLawton, OK: 8.6% gross yield, 0.171% FEMA annualized building-loss ratio, -1.5% jobsHobbs, NM: 8.6% gross yield, 0.267% FEMA annualized building-loss ratio, -0.7% jobsDuncan, OK: 8.6% gross yield, 0.151% FEMA annualized building-loss ratio, -2.9% jobsTalladega, AL: 8.5% gross yield, 0.178% FEMA annualized building-loss ratio, -0.6% jobsOneonta, NY: 8.4% gross yield, 0.191% FEMA annualized building-loss ratio, 1.0% jobsBurlington, IA: 8.3% gross yield, 0.157% FEMA annualized building-loss ratio, 1.4% jobsKinston, NC: 8.3% gross yield, 0.198% FEMA annualized building-loss ratio, 0.3% jobsDeRidder, LA: 8.3% gross yield, 0.184% FEMA annualized building-loss ratio, 0.6% jobsHouma, LA: 8.3% gross yield, 0.501% FEMA annualized building-loss ratio, -0.4% jobsJackson, TN: 8.3% gross yield, 0.205% FEMA annualized building-loss ratio, -0.2% jobsClarksburg, WV: 8.3% gross yield, 0.208% FEMA annualized building-loss ratio, 0.1% jobsJackson, MS: 8.3% gross yield, 0.184% FEMA annualized building-loss ratio, -0.8% jobsBrownsville, TX: 8.3% gross yield, 0.203% FEMA annualized building-loss ratio, -1.2% jobsBeaumont, TX: 8.3% gross yield, 0.231% FEMA annualized building-loss ratio, 0.3% jobsFairmont, WV: 8.2% gross yield, 0.230% FEMA annualized building-loss ratio, -1.2% jobsPonca City, OK: 8.2% gross yield, 0.181% FEMA annualized building-loss ratio, 0.6% jobsTexarkana, TX: 8.1% gross yield, 0.156% FEMA annualized building-loss ratio, 0.1% jobsMobile, AL: 8.1% gross yield, 0.340% FEMA annualized building-loss ratio, -1.4% jobsHinesville, GA: 8.1% gross yield, 0.444% FEMA annualized building-loss ratio, -1.4% jobsLafayette, LA: 8.1% gross yield, 0.367% FEMA annualized building-loss ratio, 0.4% jobsArdmore, OK: 8.0% gross yield, 0.164% FEMA annualized building-loss ratio, -1.2% jobsBartlesville, OK: 8.0% gross yield, 0.234% FEMA annualized building-loss ratio, -0.1% jobsScottsboro, AL: 8.0% gross yield, 0.176% FEMA annualized building-loss ratio, -0.3% jobsTuscaloosa, AL: 8.0% gross yield, 0.153% FEMA annualized building-loss ratio, -0.4% jobsQuincy, IL: 8.0% gross yield, 0.158% FEMA annualized building-loss ratio, -1.4% jobsBeckley, WV: 8.0% gross yield, 0.152% FEMA annualized building-loss ratio, -0.7% jobsJonesboro, AR: 8.0% gross yield, 0.220% FEMA annualized building-loss ratio, 1.0% jobsMontgomery, AL: 8.0% gross yield, 0.152% FEMA annualized building-loss ratio, -0.3% jobsTaos, NM: 7.9% gross yield, 0.245% FEMA annualized building-loss ratio, -1.3% jobsBinghamton, NY: 7.9% gross yield, 0.151% FEMA annualized building-loss ratio, 1.3% jobsPittsburg, KS: 7.9% gross yield, 0.176% FEMA annualized building-loss ratio, -0.1% jobsLubbock, TX: 7.9% gross yield, 0.183% FEMA annualized building-loss ratio, 0.6% jobsAlamogordo, NM: 7.9% gross yield, 0.301% FEMA annualized building-loss ratio, -0.8% jobsMorgantown, WV: 7.8% gross yield, 0.148% FEMA annualized building-loss ratio, 1.3% jobsCortland, NY: 7.8% gross yield, 0.159% FEMA annualized building-loss ratio, 3.0% jobsFlorence, SC: 7.8% gross yield, 0.171% FEMA annualized building-loss ratio, -0.1% jobsWarren, PA: 7.8% gross yield, 0.282% FEMA annualized building-loss ratio, -0.9% jobsGulfport, MS: 7.8% gross yield, 0.361% FEMA annualized building-loss ratio, 0.4% jobsSilver City, NM: 7.8% gross yield, 0.272% FEMA annualized building-loss ratio, -2.2% jobsHuntington, WV: 7.7% gross yield, 0.251% FEMA annualized building-loss ratio, 0.4% jobsMurray, KY: 7.7% gross yield, 0.198% FEMA annualized building-loss ratio, -0.2% jobsWheeling, WV: 7.6% gross yield, 0.246% FEMA annualized building-loss ratio, -0.6% jobsCambridge, MD: 7.6% gross yield, 0.175% FEMA annualized building-loss ratio, 0.3% jobsPunta Gorda, FL: 7.6% gross yield, 0.382% FEMA annualized building-loss ratio, -0.7% jobsSebring, FL: 7.6% gross yield, 0.217% FEMA annualized building-loss ratio, 0.3% jobsOlean, NY: 7.6% gross yield, 0.162% FEMA annualized building-loss ratio, 1.5% jobsCarlsbad, NM: 7.6% gross yield, 0.305% FEMA annualized building-loss ratio, 2.4% jobsHattiesburg, MS: 7.5% gross yield, 0.153% FEMA annualized building-loss ratio, -0.4% jobsCorpus Christi, TX: 7.5% gross yield, 0.220% FEMA annualized building-loss ratio, 0.8% jobsOkeechobee, FL: 7.5% gross yield, 0.330% FEMA annualized building-loss ratio, -1.2% jobsDothan, AL: 7.5% gross yield, 0.166% FEMA annualized building-loss ratio, 0.6% jobsHomosassa Springs, FL: 7.5% gross yield, 0.465% FEMA annualized building-loss ratio, 0.6% jobsLake Charles, LA: 7.5% gross yield, 0.338% FEMA annualized building-loss ratio, 1.3% jobsAlbany, GA: 7.5% gross yield, 0.149% FEMA annualized building-loss ratio, -2.8% jobsMarion, NC: 7.4% gross yield, 0.174% FEMA annualized building-loss ratio, -0.6% jobsRocky Mount, NC: 7.4% gross yield, 0.144% FEMA annualized building-loss ratio, -0.5% jobsNorth Wilkesboro, NC: 7.4% gross yield, 0.162% FEMA annualized building-loss ratio, -2.1% jobsHammond, LA: 7.4% gross yield, 0.426% FEMA annualized building-loss ratio, -1.8% jobsLakeland, FL: 7.4% gross yield, 0.182% FEMA annualized building-loss ratio, 1.3% jobsMuskogee, OK: 7.4% gross yield, 0.156% FEMA annualized building-loss ratio, -1.4% jobsJesup, GA: 7.4% gross yield, 0.176% FEMA annualized building-loss ratio, 1.2% jobsPort St. Lucie, FL: 7.3% gross yield, 0.376% FEMA annualized building-loss ratio, -0.1% jobsNew Orleans, LA: 7.3% gross yield, 0.476% FEMA annualized building-loss ratio, -0.9% jobsUnion City, TN: 7.3% gross yield, 0.295% FEMA annualized building-loss ratio, 0.9% jobsAlbertville, AL: 7.2% gross yield, 0.161% FEMA annualized building-loss ratio, 0.5% jobsGadsden, AL: 7.2% gross yield, 0.178% FEMA annualized building-loss ratio, -0.1% jobsLexington, NE: 7.2% gross yield, 0.158% FEMA annualized building-loss ratio, -8.7% jobsKankakee, IL: 7.2% gross yield, 0.196% FEMA annualized building-loss ratio, -0.7% jobsSebastian, FL: 7.2% gross yield, 0.524% FEMA annualized building-loss ratio, -1.0% jobsDixon, IL: 7.1% gross yield, 0.145% FEMA annualized building-loss ratio, -2.1% jobsNew Bern, NC: 7.1% gross yield, 0.595% FEMA annualized building-loss ratio, -1.0% jobsAnniston, AL: 7.1% gross yield, 0.163% FEMA annualized building-loss ratio, -0.5% jobsSunbury, PA: 7.0% gross yield, 0.155% FEMA annualized building-loss ratio, 0.5% jobsCumberland, MD: 7.0% gross yield, 0.145% FEMA annualized building-loss ratio, -2.3% jobsOcala, FL: 7.0% gross yield, 0.180% FEMA annualized building-loss ratio, 1.6% jobsShawnee, OK: 7.0% gross yield, 0.187% FEMA annualized building-loss ratio, -0.5% jobsElizabeth City, NC: 7.0% gross yield, 0.188% FEMA annualized building-loss ratio, -1.7% jobsParkersburg, WV: 7.0% gross yield, 0.218% FEMA annualized building-loss ratio, -1.5% jobsMemphis, TN: 6.9% gross yield, 0.174% FEMA annualized building-loss ratio, -0.4% jobsTrenton, NJ: 6.9% gross yield, 0.178% FEMA annualized building-loss ratio, -0.1% jobsTopeka, KS: 6.9% gross yield, 0.151% FEMA annualized building-loss ratio, 1.3% jobsAmarillo, TX: 6.9% gross yield, 0.178% FEMA annualized building-loss ratio, 0.8% jobsJoplin, MO: 6.9% gross yield, 0.158% FEMA annualized building-loss ratio, 0.7% jobsMcAllen, TX: 6.9% gross yield, 0.175% FEMA annualized building-loss ratio, 1.1% jobsAda, OK: 6.9% gross yield, 0.181% FEMA annualized building-loss ratio, -0.6% jobsWeirton, WV: 6.9% gross yield, 0.165% FEMA annualized building-loss ratio, 0.1% jobsGreenville, NC: 6.9% gross yield, 0.189% FEMA annualized building-loss ratio, 1.6% jobsStillwater, OK: 6.8% gross yield, 0.166% FEMA annualized building-loss ratio, -1.1% jobsMiami, FL: 6.8% gross yield, 0.194% FEMA annualized building-loss ratio, -0.3% jobsAmsterdam, NY: 6.8% gross yield, 0.171% FEMA annualized building-loss ratio, 1.1% jobsCarbondale, IL: 6.8% gross yield, 0.251% FEMA annualized building-loss ratio, -2.6% jobsOklahoma City, OK: 6.8% gross yield, 0.162% FEMA annualized building-loss ratio, -0.6% jobsLake City, FL: 6.8% gross yield, 0.173% FEMA annualized building-loss ratio, -1.1% jobsTahlequah, OK: 6.7% gross yield, 0.204% FEMA annualized building-loss ratio, 2.0% jobsBaton Rouge, LA: 6.7% gross yield, 0.259% FEMA annualized building-loss ratio, 0.0% jobsTampa, FL: 6.7% gross yield, 0.169% FEMA annualized building-loss ratio, 0.1% jobsPensacola, FL: 6.7% gross yield, 0.299% FEMA annualized building-loss ratio, 0.7% jobsSioux City, IA: 6.7% gross yield, 0.156% FEMA annualized building-loss ratio, -1.0% jobsPalm Bay, FL: 6.7% gross yield, 0.331% FEMA annualized building-loss ratio, 0.2% jobsSalina, KS: 6.7% gross yield, 0.148% FEMA annualized building-loss ratio, 1.5% jobsBirmingham, AL: 6.7% gross yield, 0.159% FEMA annualized building-loss ratio, 0.2% jobsChampaign, IL: 6.6% gross yield, 0.145% FEMA annualized building-loss ratio, 0.6% jobsCape Coral, FL: 6.6% gross yield, 0.318% FEMA annualized building-loss ratio, -0.6% jobsOwensboro, KY: 6.6% gross yield, 0.233% FEMA annualized building-loss ratio, 0.1% jobsFairbanks, AK: 6.6% gross yield, 0.247% FEMA annualized building-loss ratio, -1.8% jobsEl Campo, TX: 6.6% gross yield, 0.260% FEMA annualized building-loss ratio, -0.8% jobsLittle Rock, AR: 6.6% gross yield, 0.197% FEMA annualized building-loss ratio, 0.2% jobsGainesville, FL: 6.6% gross yield, 0.180% FEMA annualized building-loss ratio, 0.4% jobsBluefield, WV: 6.5% gross yield, 0.151% FEMA annualized building-loss ratio, -2.3% jobsParagould, AR: 6.5% gross yield, 0.262% FEMA annualized building-loss ratio, -1.7% jobsDeltona, FL: 6.5% gross yield, 0.200% FEMA annualized building-loss ratio, 0.5% jobsVictoria, TX: 6.5% gross yield, 0.223% FEMA annualized building-loss ratio, 0.4% jobsHanford, CA: 6.5% gross yield, 0.189% FEMA annualized building-loss ratio, 0.9% jobsAtlantic City, NJ: 6.5% gross yield, 0.194% FEMA annualized building-loss ratio, 1.6% jobsHutchinson, KS: 6.5% gross yield, 0.197% FEMA annualized building-loss ratio, 0.6% jobsHot Springs, AR: 6.4% gross yield, 0.207% FEMA annualized building-loss ratio, 0.6% jobsClearlake, CA: 6.4% gross yield, 0.629% FEMA annualized building-loss ratio, 0.6% jobsSafford, AZ: 6.4% gross yield, 0.186% FEMA annualized building-loss ratio, -0.6% jobsHouston, TX: 6.4% gross yield, 0.197% FEMA annualized building-loss ratio, 0.6% jobsTulsa, OK: 6.4% gross yield, 0.161% FEMA annualized building-loss ratio, 0.1% jobsWichita, KS: 6.4% gross yield, 0.148% FEMA annualized building-loss ratio, 0.2% jobsJacksonville, NC: 6.4% gross yield, 0.618% FEMA annualized building-loss ratio, -0.3% jobsIthaca, NY: 6.4% gross yield, 0.155% FEMA annualized building-loss ratio, 0.2% jobsStatesboro, GA: 6.3% gross yield, 0.165% FEMA annualized building-loss ratio, 0.7% jobsCharleston, IL: 6.3% gross yield, 0.178% FEMA annualized building-loss ratio, -1.2% jobsNorth Port, FL: 6.3% gross yield, 0.313% FEMA annualized building-loss ratio, 1.2% jobsCullman, AL: 6.3% gross yield, 0.145% FEMA annualized building-loss ratio, -0.1% jobsTallahassee, FL: 6.3% gross yield, 0.204% FEMA annualized building-loss ratio, 0.2% jobsBeeville, TX: 6.3% gross yield, 0.210% FEMA annualized building-loss ratio, 1.0% jobsSavannah, GA: 6.3% gross yield, 0.392% FEMA annualized building-loss ratio, 0.8% jobsNew Haven, CT: 6.3% gross yield, 0.155% FEMA annualized building-loss ratio, -0.1% jobsYuma, AZ: 6.3% gross yield, 0.212% FEMA annualized building-loss ratio, -2.4% jobsSt. Louis, MO: 6.3% gross yield, 0.181% FEMA annualized building-loss ratio, -0.5% jobsBranson, MO: 6.3% gross yield, 0.208% FEMA annualized building-loss ratio, 0.9% jobsAthens, OH: 6.2% gross yield, 0.193% FEMA annualized building-loss ratio, 1.0% jobsBatesville, AR: 6.2% gross yield, 0.231% FEMA annualized building-loss ratio, 2.9% jobsCookeville, TN: 6.2% gross yield, 0.145% FEMA annualized building-loss ratio, 0.8% jobsBeatrice, NE: 6.2% gross yield, 0.154% FEMA annualized building-loss ratio, 1.6% jobsFort Madison, IA: 6.2% gross yield, 0.172% FEMA annualized building-loss ratio, 0.1% jobsGrand Island, NE: 6.2% gross yield, 0.215% FEMA annualized building-loss ratio, -0.3% jobsFlorence, AL: 6.1% gross yield, 0.171% FEMA annualized building-loss ratio, 0.0% jobsColumbus, NE: 6.1% gross yield, 0.230% FEMA annualized building-loss ratio, -0.1% jobsOrlando, FL: 6.1% gross yield, 0.149% FEMA annualized building-loss ratio, 0.7% jobsSearcy, AR: 6.1% gross yield, 0.239% FEMA annualized building-loss ratio, 0.9% jobsMountain Home, AR: 6.1% gross yield, 0.169% FEMA annualized building-loss ratio, 2.4% jobsZanesville, OH: 6.1% gross yield, 0.144% FEMA annualized building-loss ratio, 0.0% jobsBrunswick, GA: 6.1% gross yield, 0.245% FEMA annualized building-loss ratio, 1.6% jobsFindlay, OH: 6.1% gross yield, 0.162% FEMA annualized building-loss ratio, -0.4% jobsSan Antonio, TX: 6.1% gross yield, 0.146% FEMA annualized building-loss ratio, 0.1% jobsFort Smith, AR: 6.0% gross yield, 0.158% FEMA annualized building-loss ratio, -0.8% jobsBloomsburg, PA: 6.0% gross yield, 0.167% FEMA annualized building-loss ratio, -0.9% jobsLas Cruces, NM: 6.0% gross yield, 0.154% FEMA annualized building-loss ratio, 1.9% jobsWeatherford, OK: 6.0% gross yield, 0.164% FEMA annualized building-loss ratio, -0.5% jobsLewisburg, TN: 6.0% gross yield, 0.170% FEMA annualized building-loss ratio, 0.6% jobsVisalia, CA: 6.0% gross yield, 0.222% FEMA annualized building-loss ratio, 0.6% jobsMyrtle Beach, SC: 6.0% gross yield, 0.380% FEMA annualized building-loss ratio, 1.6% jobsKapaa, HI: 6.0% gross yield, 0.322% FEMA annualized building-loss ratio, 0.7% jobsNorth Platte, NE: 6.0% gross yield, 0.154% FEMA annualized building-loss ratio, 4.9% jobsFresno, CA: 6.0% gross yield, 0.192% FEMA annualized building-loss ratio, 0.9% jobsHartford, CT: 5.9% gross yield, 0.148% FEMA annualized building-loss ratio, 0.3% jobsFremont, NE: 5.9% gross yield, 0.232% FEMA annualized building-loss ratio, 1.1% jobsPanama City, FL: 5.9% gross yield, 0.412% FEMA annualized building-loss ratio, 0.2% jobsRochester, MN: 5.9% gross yield, 0.175% FEMA annualized building-loss ratio, 0.4% jobsHilo, HI: 5.9% gross yield, 0.895% FEMA annualized building-loss ratio, 0.6% jobsDecatur, AL: 5.9% gross yield, 0.172% FEMA annualized building-loss ratio, 1.0% jobsJackson, MI: 5.9% gross yield, 0.097% FEMA annualized building-loss ratio, -0.2% jobsPhiladelphia, PA: 5.9% gross yield, 0.110% FEMA annualized building-loss ratio, 0.3% jobsHagerstown, MD: 5.9% gross yield, 0.103% FEMA annualized building-loss ratio, -0.2% jobsAuburn, AL: 5.9% gross yield, 0.105% FEMA annualized building-loss ratio, 1.8% jobsLafayette, IN: 5.8% gross yield, 0.083% FEMA annualized building-loss ratio, -0.1% jobsNew York, NY: 5.8% gross yield, 0.108% FEMA annualized building-loss ratio, 0.1% jobsHuntsville, TX: 5.8% gross yield, 0.120% FEMA annualized building-loss ratio, -0.5% jobsJuneau, AK: 5.8% gross yield, 0.049% FEMA annualized building-loss ratio, 1.6% jobsNiles, MI: 5.8% gross yield, 0.095% FEMA annualized building-loss ratio, 0.5% jobsAtlanta, GA: 5.8% gross yield, 0.101% FEMA annualized building-loss ratio, 0.2% jobsErie, PA: 5.8% gross yield, 0.085% FEMA annualized building-loss ratio, 0.1% jobsCambridge, OH: 5.8% gross yield, 0.091% FEMA annualized building-loss ratio, 0.7% jobsPueblo, CO: 5.8% gross yield, 0.112% FEMA annualized building-loss ratio, -0.9% jobsAnn Arbor, MI: 5.8% gross yield, 0.084% FEMA annualized building-loss ratio, 0.1% jobsReading, PA: 5.8% gross yield, 0.099% FEMA annualized building-loss ratio, 0.2% jobsSt. Joseph, MO: 5.8% gross yield, 0.114% FEMA annualized building-loss ratio, 1.0% jobsJamestown, ND: 5.8% gross yield, 0.121% FEMA annualized building-loss ratio, 1.5% jobsWisconsin Rapids, WI: 5.7% gross yield, 0.129% FEMA annualized building-loss ratio, -2.4% jobsBaltimore, MD: 5.7% gross yield, 0.062% FEMA annualized building-loss ratio, -1.2% jobsGloversville, NY: 5.7% gross yield, 0.122% FEMA annualized building-loss ratio, 0.4% jobsKnoxville, TN: 5.7% gross yield, 0.126% FEMA annualized building-loss ratio, 0.9% jobsAthens, TX: 5.7% gross yield, 0.098% FEMA annualized building-loss ratio, 1.8% jobsCrossville, TN: 5.7% gross yield, 0.104% FEMA annualized building-loss ratio, 0.4% jobsMarquette, MI: 5.7% gross yield, 0.083% FEMA annualized building-loss ratio, -3.4% jobsBloomington, IN: 5.7% gross yield, 0.107% FEMA annualized building-loss ratio, -2.6% jobsMonroe, MI: 5.7% gross yield, 0.126% FEMA annualized building-loss ratio, -0.1% jobsStaunton, VA: 5.6% gross yield, 0.118% FEMA annualized building-loss ratio, -0.5% jobsMuskegon, MI: 5.6% gross yield, 0.075% FEMA annualized building-loss ratio, 1.0% jobsHarrisburg, PA: 5.6% gross yield, 0.124% FEMA annualized building-loss ratio, 0.0% jobsLexington, KY: 5.6% gross yield, 0.123% FEMA annualized building-loss ratio, 0.7% jobsKansas City, MO: 5.6% gross yield, 0.112% FEMA annualized building-loss ratio, 0.5% jobsTullahoma, TN: 5.6% gross yield, 0.138% FEMA annualized building-loss ratio, 0.3% jobsCollege Station, TX: 5.6% gross yield, 0.083% FEMA annualized building-loss ratio, 0.9% jobsEaston, MD: 5.6% gross yield, 0.085% FEMA annualized building-loss ratio, 0.7% jobsRoanoke, VA: 5.6% gross yield, 0.106% FEMA annualized building-loss ratio, 0.3% jobsManhattan, KS: 5.6% gross yield, 0.140% FEMA annualized building-loss ratio, -0.9% jobsSpringfield, MO: 5.5% gross yield, 0.123% FEMA annualized building-loss ratio, 0.6% jobsAndrews, TX: 5.5% gross yield, 0.081% FEMA annualized building-loss ratio, 1.4% jobsRacine, WI: 5.5% gross yield, 0.085% FEMA annualized building-loss ratio, -0.8% jobsSherman, TX: 5.5% gross yield, 0.093% FEMA annualized building-loss ratio, 1.7% jobsMarinette, WI: 5.5% gross yield, 0.106% FEMA annualized building-loss ratio, -0.5% jobsPinehurst, NC: 5.5% gross yield, 0.110% FEMA annualized building-loss ratio, 1.8% jobsDover, DE: 5.5% gross yield, 0.105% FEMA annualized building-loss ratio, -0.9% jobsTraverse City, MI: 5.5% gross yield, 0.069% FEMA annualized building-loss ratio, 2.5% jobsKingston, NY: 5.5% gross yield, 0.118% FEMA annualized building-loss ratio, 1.3% jobsLynchburg, VA: 5.5% gross yield, 0.094% FEMA annualized building-loss ratio, 0.5% jobsHermiston, OR: 5.5% gross yield, 0.136% FEMA annualized building-loss ratio, 0.9% jobsKalamazoo, MI: 5.5% gross yield, 0.089% FEMA annualized building-loss ratio, -0.4% jobsRutland, VT: 5.5% gross yield, 0.097% FEMA annualized building-loss ratio, -2.5% jobsDallas, TX: 5.5% gross yield, 0.133% FEMA annualized building-loss ratio, 0.8% jobsButte, MT: 5.5% gross yield, 0.091% FEMA annualized building-loss ratio, -0.2% jobsColumbus, OH: 5.5% gross yield, 0.107% FEMA annualized building-loss ratio, 0.6% jobsBrenham, TX: 5.5% gross yield, 0.116% FEMA annualized building-loss ratio, 1.3% jobsMansfield, OH: 5.5% gross yield, 0.075% FEMA annualized building-loss ratio, -1.1% jobsGreeneville, TN: 5.5% gross yield, 0.078% FEMA annualized building-loss ratio, 0.1% jobsAugusta, ME: 5.5% gross yield, 0.117% FEMA annualized building-loss ratio, -1.0% jobsGrand Rapids, MI: 5.5% gross yield, 0.092% FEMA annualized building-loss ratio, -0.3% jobsPullman, WA: 5.4% gross yield, 0.116% FEMA annualized building-loss ratio, -0.5% jobsCleveland, TN: 5.4% gross yield, 0.134% FEMA annualized building-loss ratio, -0.7% jobsLewiston, ME: 5.4% gross yield, 0.095% FEMA annualized building-loss ratio, 0.3% jobsChambersburg, PA: 5.4% gross yield, 0.097% FEMA annualized building-loss ratio, 0.9% jobsBurlington, NC: 5.4% gross yield, 0.116% FEMA annualized building-loss ratio, -0.7% jobsCharlotte, NC: 5.4% gross yield, 0.133% FEMA annualized building-loss ratio, 1.1% jobsLos Alamos, NM: 5.3% gross yield, 0.101% FEMA annualized building-loss ratio, -1.1% jobsAthens, GA: 5.3% gross yield, 0.103% FEMA annualized building-loss ratio, 2.3% jobsWapakoneta, OH: 5.3% gross yield, 0.126% FEMA annualized building-loss ratio, -0.7% jobsWorcester, MA: 5.3% gross yield, 0.098% FEMA annualized building-loss ratio, 0.0% jobsGlens Falls, NY: 5.3% gross yield, 0.118% FEMA annualized building-loss ratio, -0.8% jobsAlbany, NY: 5.3% gross yield, 0.102% FEMA annualized building-loss ratio, 0.8% jobsRichmond, VA: 5.3% gross yield, 0.087% FEMA annualized building-loss ratio, 0.2% jobsYork, PA: 5.3% gross yield, 0.101% FEMA annualized building-loss ratio, 0.1% jobsMarshalltown, IA: 5.3% gross yield, 0.118% FEMA annualized building-loss ratio, 0.8% jobsDes Moines, IA: 5.3% gross yield, 0.099% FEMA annualized building-loss ratio, -0.5% jobsHudson, NY: 5.3% gross yield, 0.116% FEMA annualized building-loss ratio, 0.0% jobsBellefontaine, OH: 5.3% gross yield, 0.124% FEMA annualized building-loss ratio, 0.1% jobsBurlington, VT: 5.3% gross yield, 0.095% FEMA annualized building-loss ratio, -0.5% jobsLincoln, NE: 5.3% gross yield, 0.138% FEMA annualized building-loss ratio, 0.6% jobsMinneapolis, MN: 5.2% gross yield, 0.114% FEMA annualized building-loss ratio, 0.2% jobsMount Pleasant, MI: 5.2% gross yield, 0.102% FEMA annualized building-loss ratio, -1.1% jobsMichigan City, IN: 5.2% gross yield, 0.085% FEMA annualized building-loss ratio, -0.3% jobsColumbia, MO: 5.2% gross yield, 0.128% FEMA annualized building-loss ratio, 1.2% jobsNew Castle, IN: 5.2% gross yield, 0.126% FEMA annualized building-loss ratio, 1.2% jobsFayetteville, AR: 5.2% gross yield, 0.132% FEMA annualized building-loss ratio, 2.5% jobsBoston, MA: 5.2% gross yield, 0.098% FEMA annualized building-loss ratio, -0.8% jobsAdrian, MI: 5.2% gross yield, 0.107% FEMA annualized building-loss ratio, -3.4% jobsAlbuquerque, NM: 5.2% gross yield, 0.120% FEMA annualized building-loss ratio, -0.8% jobsCharlottesville, VA: 5.1% gross yield, 0.116% FEMA annualized building-loss ratio, 0.9% jobsBurley, ID: 5.1% gross yield, 0.135% FEMA annualized building-loss ratio, 0.1% jobsCadillac, MI: 5.1% gross yield, 0.077% FEMA annualized building-loss ratio, -3.1% jobsPortland, ME: 5.1% gross yield, 0.101% FEMA annualized building-loss ratio, 0.3% jobsGainesville, GA: 5.1% gross yield, 0.112% FEMA annualized building-loss ratio, 0.3% jobsAberdeen, SD: 5.1% gross yield, 0.117% FEMA annualized building-loss ratio, -0.3% jobsElkhart, IN: 5.1% gross yield, 0.069% FEMA annualized building-loss ratio, 0.9% jobsWilmington, OH: 5.1% gross yield, 0.077% FEMA annualized building-loss ratio, 1.4% jobsManitowoc, WI: 5.1% gross yield, 0.087% FEMA annualized building-loss ratio, -1.8% jobsCrawfordsville, IN: 5.1% gross yield, 0.091% FEMA annualized building-loss ratio, 1.1% jobsLebanon, PA: 5.1% gross yield, 0.112% FEMA annualized building-loss ratio, 1.4% jobsBoone, NC: 5.1% gross yield, 0.132% FEMA annualized building-loss ratio, -0.5% jobsMinot, ND: 5.0% gross yield, 0.075% FEMA annualized building-loss ratio, 0.2% jobsAthens, TN: 5.0% gross yield, 0.140% FEMA annualized building-loss ratio, 0.4% jobsWashington, DC: 5.0% gross yield, 0.076% FEMA annualized building-loss ratio, -2.3% jobsBrevard, NC: 5.0% gross yield, 0.120% FEMA annualized building-loss ratio, -0.4% jobsSevierville, TN: 5.0% gross yield, 0.139% FEMA annualized building-loss ratio, 0.2% jobsOntario, OR: 5.0% gross yield, 0.130% FEMA annualized building-loss ratio, 0.5% jobsBarre, VT: 4.9% gross yield, 0.143% FEMA annualized building-loss ratio, -2.6% jobsTwin Falls, ID: 4.9% gross yield, 0.077% FEMA annualized building-loss ratio, 1.1% jobsProvidence, RI: 4.9% gross yield, 0.096% FEMA annualized building-loss ratio, -0.3% jobsWahpeton, ND: 4.9% gross yield, 0.119% FEMA annualized building-loss ratio, 0.3% jobsMoses Lake, WA: 4.9% gross yield, 0.100% FEMA annualized building-loss ratio, -0.9% jobsShawano, WI: 4.9% gross yield, 0.105% FEMA annualized building-loss ratio, -0.1% jobsDurham, NC: 4.9% gross yield, 0.129% FEMA annualized building-loss ratio, -0.7% jobsGrand Forks, ND: 4.9% gross yield, 0.131% FEMA annualized building-loss ratio, 0.3% jobsLas Vegas, NV: 4.9% gross yield, 0.120% FEMA annualized building-loss ratio, 1.9% jobsHuntington, IN: 4.9% gross yield, 0.124% FEMA annualized building-loss ratio, 1.1% jobsManchester, NH: 4.9% gross yield, 0.135% FEMA annualized building-loss ratio, -1.3% jobsGrand Junction, CO: 4.8% gross yield, 0.090% FEMA annualized building-loss ratio, -0.2% jobsJanesville, WI: 4.8% gross yield, 0.134% FEMA annualized building-loss ratio, -0.3% jobsDubuque, IA: 4.8% gross yield, 0.132% FEMA annualized building-loss ratio, -1.8% jobsSelinsgrove, PA: 4.8% gross yield, 0.143% FEMA annualized building-loss ratio, 0.2% jobsNashville, TN: 4.8% gross yield, 0.143% FEMA annualized building-loss ratio, 0.6% jobsFond du Lac, WI: 4.7% gross yield, 0.086% FEMA annualized building-loss ratio, 0.6% jobsDickinson, ND: 4.7% gross yield, 0.101% FEMA annualized building-loss ratio, 1.6% jobsLa Grande, OR: 4.7% gross yield, 0.131% FEMA annualized building-loss ratio, 1.0% jobsSt. Cloud, MN: 4.7% gross yield, 0.138% FEMA annualized building-loss ratio, -0.2% jobsSacramento, CA: 4.7% gross yield, 0.139% FEMA annualized building-loss ratio, 0.7% jobsVernal, UT: 4.7% gross yield, 0.054% FEMA annualized building-loss ratio, 0.9% jobsMilwaukee, WI: 4.7% gross yield, 0.085% FEMA annualized building-loss ratio, -0.9% jobsOwatonna, MN: 4.7% gross yield, 0.125% FEMA annualized building-loss ratio, -1.3% jobsAsheville, NC: 4.7% gross yield, 0.114% FEMA annualized building-loss ratio, 0.9% jobsMankato, MN: 4.7% gross yield, 0.124% FEMA annualized building-loss ratio, -0.1% jobsSidney, OH: 4.7% gross yield, 0.101% FEMA annualized building-loss ratio, -1.0% jobsLancaster, PA: 4.7% gross yield, 0.125% FEMA annualized building-loss ratio, 0.8% jobsStevens Point, WI: 4.7% gross yield, 0.127% FEMA annualized building-loss ratio, 0.1% jobsFredericksburg, TX: 4.7% gross yield, 0.106% FEMA annualized building-loss ratio, 0.7% jobsAustin, TX: 4.7% gross yield, 0.118% FEMA annualized building-loss ratio, 1.4% jobsUrbana, OH: 4.6% gross yield, 0.105% FEMA annualized building-loss ratio, 0.7% jobsRaleigh, NC: 4.6% gross yield, 0.120% FEMA annualized building-loss ratio, 2.1% jobsLaconia, NH: 4.6% gross yield, 0.139% FEMA annualized building-loss ratio, 0.7% jobsWarsaw, IN: 4.6% gross yield, 0.083% FEMA annualized building-loss ratio, -0.1% jobsSioux Falls, SD: 4.6% gross yield, 0.124% FEMA annualized building-loss ratio, 0.3% jobsGettysburg, PA: 4.6% gross yield, 0.100% FEMA annualized building-loss ratio, 0.6% jobsOshkosh, WI: 4.6% gross yield, 0.127% FEMA annualized building-loss ratio, -0.9% jobsAshland, OH: 4.5% gross yield, 0.090% FEMA annualized building-loss ratio, -1.8% jobsCheyenne, WY: 4.5% gross yield, 0.104% FEMA annualized building-loss ratio, -0.1% jobsBoise City, ID: 4.5% gross yield, 0.118% FEMA annualized building-loss ratio, 1.0% jobsLawrence, KS: 4.5% gross yield, 0.111% FEMA annualized building-loss ratio, 0.2% jobsWausau, WI: 4.5% gross yield, 0.113% FEMA annualized building-loss ratio, -1.4% jobsAmes, IA: 4.5% gross yield, 0.121% FEMA annualized building-loss ratio, -2.0% jobsEau Claire, WI: 4.5% gross yield, 0.119% FEMA annualized building-loss ratio, -0.2% jobsAuburn, IN: 4.5% gross yield, 0.101% FEMA annualized building-loss ratio, -0.6% jobsMadison, WI: 4.4% gross yield, 0.098% FEMA annualized building-loss ratio, -0.4% jobsMitchell, SD: 4.4% gross yield, 0.130% FEMA annualized building-loss ratio, -0.6% jobsSpokane, WA: 4.4% gross yield, 0.081% FEMA annualized building-loss ratio, 0.1% jobsAlexandria, MN: 4.4% gross yield, 0.083% FEMA annualized building-loss ratio, -0.8% jobsKirksville, MO: 4.4% gross yield, 0.127% FEMA annualized building-loss ratio, -0.7% jobsLewiston, ID: 4.3% gross yield, 0.140% FEMA annualized building-loss ratio, -0.4% jobsWarrensburg, MO: 4.3% gross yield, 0.107% FEMA annualized building-loss ratio, 0.6% jobsGreenville, OH: 4.3% gross yield, 0.108% FEMA annualized building-loss ratio, -0.8% jobsWilliston, ND: 4.2% gross yield, 0.068% FEMA annualized building-loss ratio, -1.2% jobsGreeley, CO: 4.2% gross yield, 0.128% FEMA annualized building-loss ratio, 1.6% jobsRock Springs, WY: 4.2% gross yield, 0.096% FEMA annualized building-loss ratio, -2.3% jobsBarnstable Town, MA: 4.2% gross yield, 0.125% FEMA annualized building-loss ratio, 2.5% jobsWalla Walla, WA: 4.2% gross yield, 0.128% FEMA annualized building-loss ratio, -1.3% jobsAppleton, WI: 4.2% gross yield, 0.070% FEMA annualized building-loss ratio, -0.5% jobsBillings, MT: 4.2% gross yield, 0.124% FEMA annualized building-loss ratio, -0.5% jobsFort Collins, CO: 4.2% gross yield, 0.127% FEMA annualized building-loss ratio, 0.3% jobsRolla, MO: 4.1% gross yield, 0.116% FEMA annualized building-loss ratio, 1.9% jobsLa Crosse, WI: 4.1% gross yield, 0.120% FEMA annualized building-loss ratio, 0.2% jobsFrankfort, IN: 4.1% gross yield, 0.123% FEMA annualized building-loss ratio, -0.5% jobsSanta Fe, NM: 4.1% gross yield, 0.128% FEMA annualized building-loss ratio, 0.4% jobsMenomonie, WI: 4.1% gross yield, 0.116% FEMA annualized building-loss ratio, 0.0% jobsHelena, MT: 4.1% gross yield, 0.141% FEMA annualized building-loss ratio, -0.2% jobsAngola, IN: 4.0% gross yield, 0.084% FEMA annualized building-loss ratio, -0.3% jobsBrainerd, MN: 4.0% gross yield, 0.126% FEMA annualized building-loss ratio, -1.5% jobsGreen Bay, WI: 4.0% gross yield, 0.089% FEMA annualized building-loss ratio, 0.4% jobsBrookings, SD: 4.0% gross yield, 0.127% FEMA annualized building-loss ratio, 1.6% jobsBeaver Dam, WI: 3.9% gross yield, 0.085% FEMA annualized building-loss ratio, 0.1% jobsWatertown, WI: 3.9% gross yield, 0.119% FEMA annualized building-loss ratio, -0.8% jobsBend, OR: 3.9% gross yield, 0.127% FEMA annualized building-loss ratio, -0.4% jobsSheboygan, WI: 3.9% gross yield, 0.076% FEMA annualized building-loss ratio, -0.3% jobsWhitewater, WI: 3.9% gross yield, 0.085% FEMA annualized building-loss ratio, -0.3% jobsLaramie, WY: 3.8% gross yield, 0.094% FEMA annualized building-loss ratio, -0.5% jobsBozeman, MT: 3.8% gross yield, 0.129% FEMA annualized building-loss ratio, -0.2% jobsLogan, UT: 3.7% gross yield, 0.128% FEMA annualized building-loss ratio, 0.7% jobsPocatello, ID: 3.6% gross yield, 0.136% FEMA annualized building-loss ratio, -1.1% jobsCoeur d'Alene, ID: 3.6% gross yield, 0.097% FEMA annualized building-loss ratio, 0.9% jobsStephenville, TX: 3.3% gross yield, 0.118% FEMA annualized building-loss ratio, 4.4% jobsFergus Falls, MN: 3.3% gross yield, 0.095% FEMA annualized building-loss ratio, -2.2% jobsMoscow, ID: 2.9% gross yield, 0.107% FEMA annualized building-loss ratio, -1.0% jobsKerrville, TX: 5.9% gross yield, 0.152% FEMA annualized building-loss ratio, 0.9% jobsLouisville, KY: 5.9% gross yield, 0.164% FEMA annualized building-loss ratio, -0.8% jobsRed Bluff, CA: 5.9% gross yield, 0.454% FEMA annualized building-loss ratio, 0.7% jobsNogales, AZ: 5.8% gross yield, 0.305% FEMA annualized building-loss ratio, 1.1% jobsBakersfield, CA: 5.8% gross yield, 0.217% FEMA annualized building-loss ratio, 1.6% jobsLewisburg, PA: 5.8% gross yield, 0.181% FEMA annualized building-loss ratio, -0.6% jobsJacksonville, FL: 5.8% gross yield, 0.145% FEMA annualized building-loss ratio, -0.4% jobsNaples, FL: 5.8% gross yield, 0.411% FEMA annualized building-loss ratio, -1.4% jobsMerced, CA: 5.8% gross yield, 0.205% FEMA annualized building-loss ratio, 3.5% jobsBowling Green, KY: 5.8% gross yield, 0.233% FEMA annualized building-loss ratio, 0.8% jobsNorfolk, NE: 5.7% gross yield, 0.222% FEMA annualized building-loss ratio, 0.7% jobsMcPherson, KS: 5.7% gross yield, 0.146% FEMA annualized building-loss ratio, -0.3% jobsSayre, PA: 5.7% gross yield, 0.199% FEMA annualized building-loss ratio, -0.5% jobsAberdeen, WA: 5.7% gross yield, 0.486% FEMA annualized building-loss ratio, 1.8% jobsRussellville, AR: 5.7% gross yield, 0.233% FEMA annualized building-loss ratio, 0.2% jobsPierre, SD: 5.7% gross yield, 0.210% FEMA annualized building-loss ratio, -0.8% jobsSierra Vista, AZ: 5.7% gross yield, 0.248% FEMA annualized building-loss ratio, -4.0% jobsCharleston, SC: 5.7% gross yield, 0.474% FEMA annualized building-loss ratio, 0.5% jobsShelbyville, TN: 5.7% gross yield, 0.179% FEMA annualized building-loss ratio, -0.6% jobsKearney, NE: 5.7% gross yield, 0.215% FEMA annualized building-loss ratio, 0.4% jobsEvansville, IN: 5.6% gross yield, 0.180% FEMA annualized building-loss ratio, -1.3% jobsMartin, TN: 5.6% gross yield, 0.254% FEMA annualized building-loss ratio, -0.7% jobsChattanooga, TN: 5.6% gross yield, 0.154% FEMA annualized building-loss ratio, -0.5% jobsYuba City, CA: 5.6% gross yield, 0.192% FEMA annualized building-loss ratio, 2.1% jobsFarmington, NM: 5.5% gross yield, 0.149% FEMA annualized building-loss ratio, 1.5% jobsOmaha, NE: 5.5% gross yield, 0.150% FEMA annualized building-loss ratio, 0.5% jobsStockton, CA: 5.5% gross yield, 0.186% FEMA annualized building-loss ratio, 1.8% jobsEl Centro, CA: 5.5% gross yield, 0.346% FEMA annualized building-loss ratio, 0.9% jobsClarksville, TN: 5.5% gross yield, 0.169% FEMA annualized building-loss ratio, 0.2% jobsNorwich, CT: 5.4% gross yield, 0.147% FEMA annualized building-loss ratio, 0.8% jobsIowa City, IA: 5.4% gross yield, 0.184% FEMA annualized building-loss ratio, 0.1% jobsDaphne, AL: 5.4% gross yield, 0.454% FEMA annualized building-loss ratio, 2.3% jobsFrankfort, KY: 5.4% gross yield, 0.159% FEMA annualized building-loss ratio, 2.5% jobsBay City, TX: 5.4% gross yield, 0.384% FEMA annualized building-loss ratio, 3.9% jobsThe Villages, FL: 5.4% gross yield, 0.183% FEMA annualized building-loss ratio, 2.8% jobsCrestview, FL: 5.4% gross yield, 0.298% FEMA annualized building-loss ratio, 0.4% jobsAustin, MN: 5.4% gross yield, 0.199% FEMA annualized building-loss ratio, -0.8% jobsLock Haven, PA: 5.3% gross yield, 0.178% FEMA annualized building-loss ratio, -0.2% jobsWilliamsport, PA: 5.3% gross yield, 0.156% FEMA annualized building-loss ratio, 0.8% jobsPittsfield, MA: 5.3% gross yield, 0.173% FEMA annualized building-loss ratio, -0.3% jobsPayson, AZ: 5.3% gross yield, 0.352% FEMA annualized building-loss ratio, 0.6% jobsCoos Bay, OR: 5.3% gross yield, 0.387% FEMA annualized building-loss ratio, -0.1% jobsMason City, IA: 5.3% gross yield, 0.152% FEMA annualized building-loss ratio, -0.2% jobsTorrington, CT: 5.3% gross yield, 0.180% FEMA annualized building-loss ratio, -2.5% jobsKeene, NH: 5.3% gross yield, 0.172% FEMA annualized building-loss ratio, 0.1% jobsRedding, CA: 5.3% gross yield, 0.335% FEMA annualized building-loss ratio, 2.1% jobsLake Havasu City, AZ: 5.2% gross yield, 0.186% FEMA annualized building-loss ratio, -1.2% jobsModesto, CA: 5.2% gross yield, 0.163% FEMA annualized building-loss ratio, 0.7% jobsFaribault, MN: 5.2% gross yield, 0.174% FEMA annualized building-loss ratio, -0.1% jobsHuntsville, AL: 5.2% gross yield, 0.168% FEMA annualized building-loss ratio, 1.0% jobsMountain Home, ID: 5.2% gross yield, 0.349% FEMA annualized building-loss ratio, -0.5% jobsRiverside, CA: 5.2% gross yield, 0.480% FEMA annualized building-loss ratio, 0.5% jobsTucson, AZ: 5.2% gross yield, 0.240% FEMA annualized building-loss ratio, -0.2% jobsTruckee, CA: 5.2% gross yield, 0.312% FEMA annualized building-loss ratio, -0.8% jobsRichmond, KY: 5.2% gross yield, 0.149% FEMA annualized building-loss ratio, 1.1% jobsCasper, WY: 5.2% gross yield, 0.144% FEMA annualized building-loss ratio, -1.0% jobsShow Low, AZ: 5.1% gross yield, 0.172% FEMA annualized building-loss ratio, -2.1% jobsFarmington, MO: 5.0% gross yield, 0.170% FEMA annualized building-loss ratio, -0.3% jobsVallejo, CA: 5.0% gross yield, 0.303% FEMA annualized building-loss ratio, 0.5% jobsMontrose, CO: 5.0% gross yield, 0.148% FEMA annualized building-loss ratio, 0.7% jobsCañon City, CO: 5.0% gross yield, 0.247% FEMA annualized building-loss ratio, -1.4% jobsAnchorage, AK: 5.0% gross yield, 0.368% FEMA annualized building-loss ratio, -0.7% jobsShelton, WA: 5.0% gross yield, 0.284% FEMA annualized building-loss ratio, 1.0% jobsDyersburg, TN: 5.0% gross yield, 0.311% FEMA annualized building-loss ratio, 0.3% jobsWinona, MN: 5.0% gross yield, 0.160% FEMA annualized building-loss ratio, -1.6% jobsMedford, OR: 5.0% gross yield, 0.204% FEMA annualized building-loss ratio, 0.1% jobsEmporia, KS: 5.0% gross yield, 0.159% FEMA annualized building-loss ratio, -2.8% jobsSterling, CO: 5.0% gross yield, 0.151% FEMA annualized building-loss ratio, -3.8% jobsNewport, OR: 5.0% gross yield, 0.314% FEMA annualized building-loss ratio, -0.5% jobsGrants Pass, OR: 4.9% gross yield, 0.385% FEMA annualized building-loss ratio, -0.8% jobsBridgeport, CT: 4.9% gross yield, 0.169% FEMA annualized building-loss ratio, 0.4% jobsCape Girardeau, MO: 4.9% gross yield, 0.257% FEMA annualized building-loss ratio, 0.2% jobsYakima, WA: 4.9% gross yield, 0.168% FEMA annualized building-loss ratio, 0.2% jobsRoseburg, OR: 4.9% gross yield, 0.272% FEMA annualized building-loss ratio, 0.3% jobsElko, NV: 4.9% gross yield, 0.611% FEMA annualized building-loss ratio, 1.6% jobsKlamath Falls, OR: 4.8% gross yield, 0.168% FEMA annualized building-loss ratio, 0.1% jobsConcord, NH: 4.8% gross yield, 0.151% FEMA annualized building-loss ratio, -0.6% jobsFort Morgan, CO: 4.8% gross yield, 0.199% FEMA annualized building-loss ratio, -3.8% jobsKill Devil Hills, NC: 4.8% gross yield, 0.595% FEMA annualized building-loss ratio, 0.5% jobsMcMinnville, TN: 4.8% gross yield, 0.146% FEMA annualized building-loss ratio, 1.2% jobsThe Dalles, OR: 4.8% gross yield, 0.355% FEMA annualized building-loss ratio, 1.1% jobsAlbany, OR: 4.8% gross yield, 0.209% FEMA annualized building-loss ratio, -1.4% jobsGreat Falls, MT: 4.7% gross yield, 0.149% FEMA annualized building-loss ratio, -2.5% jobsBaraboo, WI: 4.7% gross yield, 0.146% FEMA annualized building-loss ratio, -0.7% jobsOlympia, WA: 4.7% gross yield, 0.235% FEMA annualized building-loss ratio, 0.1% jobsRed Wing, MN: 4.7% gross yield, 0.163% FEMA annualized building-loss ratio, -0.2% jobsColorado Springs, CO: 4.7% gross yield, 0.163% FEMA annualized building-loss ratio, -0.7% jobsPhoenix, AZ: 4.7% gross yield, 0.159% FEMA annualized building-loss ratio, 0.2% jobsPahrump, NV: 4.6% gross yield, 0.163% FEMA annualized building-loss ratio, 2.2% jobsRapid City, SD: 4.6% gross yield, 0.173% FEMA annualized building-loss ratio, 1.6% jobsEugene, OR: 4.6% gross yield, 0.218% FEMA annualized building-loss ratio, -1.3% jobsChico, CA: 4.6% gross yield, 0.209% FEMA annualized building-loss ratio, -0.7% jobsWilmington, NC: 4.6% gross yield, 0.454% FEMA annualized building-loss ratio, 2.6% jobsMorehead City, NC: 4.6% gross yield, 0.689% FEMA annualized building-loss ratio, 0.0% jobsKennewick, WA: 4.6% gross yield, 0.163% FEMA annualized building-loss ratio, 1.1% jobsBismarck, ND: 4.6% gross yield, 0.229% FEMA annualized building-loss ratio, 0.3% jobsParis, TN: 4.6% gross yield, 0.188% FEMA annualized building-loss ratio, 0.2% jobsPort Angeles, WA: 4.6% gross yield, 0.250% FEMA annualized building-loss ratio, 0.3% jobsHilton Head Island, SC: 4.5% gross yield, 0.560% FEMA annualized building-loss ratio, 1.7% jobsSonora, CA: 4.5% gross yield, 0.364% FEMA annualized building-loss ratio, -0.1% jobsGillette, WY: 4.5% gross yield, 0.147% FEMA annualized building-loss ratio, -1.4% jobsUkiah, CA: 4.4% gross yield, 0.448% FEMA annualized building-loss ratio, 0.4% jobsJefferson City, MO: 4.4% gross yield, 0.150% FEMA annualized building-loss ratio, 0.7% jobsGardnerville Ranchos, NV: 4.4% gross yield, 0.300% FEMA annualized building-loss ratio, 4.7% jobsCarson City, NV: 4.4% gross yield, 0.257% FEMA annualized building-loss ratio, 1.0% jobsSt. George, UT: 4.4% gross yield, 0.357% FEMA annualized building-loss ratio, 2.1% jobsMount Vernon, WA: 4.4% gross yield, 0.242% FEMA annualized building-loss ratio, 0.5% jobsEureka, CA: 4.3% gross yield, 0.455% FEMA annualized building-loss ratio, -0.7% jobsSalem, OR: 4.3% gross yield, 0.171% FEMA annualized building-loss ratio, 1.4% jobsCedar City, UT: 4.3% gross yield, 0.192% FEMA annualized building-loss ratio, 1.8% jobsKahului, HI: 4.3% gross yield, 0.381% FEMA annualized building-loss ratio, 1.2% jobsEllensburg, WA: 4.3% gross yield, 0.499% FEMA annualized building-loss ratio, 0.8% jobsBremerton, WA: 4.3% gross yield, 0.210% FEMA annualized building-loss ratio, -0.4% jobsUrban Honolulu, HI: 4.3% gross yield, 0.305% FEMA annualized building-loss ratio, 0.1% jobsReno, NV: 4.2% gross yield, 0.237% FEMA annualized building-loss ratio, 1.9% jobsWenatchee, WA: 4.1% gross yield, 0.372% FEMA annualized building-loss ratio, 0.2% jobsFargo, ND: 4.1% gross yield, 0.162% FEMA annualized building-loss ratio, -1.1% jobsKey West, FL: 4.1% gross yield, 0.474% FEMA annualized building-loss ratio, -1.4% jobsIdaho Falls, ID: 4.1% gross yield, 0.149% FEMA annualized building-loss ratio, -0.1% jobsRiverton, WY: 4.1% gross yield, 0.161% FEMA annualized building-loss ratio, -2.2% jobsSalinas, CA: 4.1% gross yield, 0.339% FEMA annualized building-loss ratio, 1.4% jobsBreckenridge, CO: 4.1% gross yield, 0.153% FEMA annualized building-loss ratio, -1.5% jobsProvo, UT: 4.0% gross yield, 0.198% FEMA annualized building-loss ratio, 1.4% jobsDenver, CO: 4.0% gross yield, 0.150% FEMA annualized building-loss ratio, -0.1% jobsWatertown, SD: 4.0% gross yield, 0.158% FEMA annualized building-loss ratio, 0.1% jobsFlagstaff, AZ: 4.0% gross yield, 0.326% FEMA annualized building-loss ratio, -0.9% jobsOxnard, CA: 4.0% gross yield, 0.417% FEMA annualized building-loss ratio, -0.3% jobsSanta Rosa, CA: 4.0% gross yield, 0.482% FEMA annualized building-loss ratio, 0.5% jobsSanta Maria, CA: 4.0% gross yield, 0.424% FEMA annualized building-loss ratio, 0.3% jobsPortland, OR: 3.9% gross yield, 0.161% FEMA annualized building-loss ratio, -1.8% jobsLongview, WA: 3.9% gross yield, 0.278% FEMA annualized building-loss ratio, 0.1% jobsCentralia, WA: 3.9% gross yield, 0.345% FEMA annualized building-loss ratio, 1.2% jobsBellingham, WA: 3.9% gross yield, 0.170% FEMA annualized building-loss ratio, -0.3% jobsCorvallis, OR: 3.9% gross yield, 0.210% FEMA annualized building-loss ratio, -0.7% jobsSan Diego, CA: 3.8% gross yield, 0.245% FEMA annualized building-loss ratio, 0.3% jobsNapa, CA: 3.8% gross yield, 0.433% FEMA annualized building-loss ratio, 0.7% jobsOak Harbor, WA: 3.8% gross yield, 0.151% FEMA annualized building-loss ratio, 0.8% jobsBoulder, CO: 3.8% gross yield, 0.162% FEMA annualized building-loss ratio, -0.9% jobsSpearfish, SD: 3.8% gross yield, 0.200% FEMA annualized building-loss ratio, 0.1% jobsOgden, UT: 3.7% gross yield, 0.144% FEMA annualized building-loss ratio, -0.9% jobsSan Luis Obispo, CA: 3.7% gross yield, 0.274% FEMA annualized building-loss ratio, -1.3% jobsSanta Cruz, CA: 3.7% gross yield, 0.445% FEMA annualized building-loss ratio, 0.7% jobsSeattle, WA: 3.6% gross yield, 0.231% FEMA annualized building-loss ratio, -0.1% jobsLos Angeles, CA: 3.6% gross yield, 0.368% FEMA annualized building-loss ratio, -0.1% jobsSandpoint, ID: 3.6% gross yield, 0.262% FEMA annualized building-loss ratio, 0.6% jobsHailey, ID: 3.6% gross yield, 0.239% FEMA annualized building-loss ratio, -0.5% jobsHeber, UT: 3.6% gross yield, 0.193% FEMA annualized building-loss ratio, 0.7% jobsAstoria, OR: 3.6% gross yield, 0.378% FEMA annualized building-loss ratio, 0.8% jobsKalispell, MT: 3.6% gross yield, 0.207% FEMA annualized building-loss ratio, 1.0% jobsDurango, CO: 3.5% gross yield, 0.215% FEMA annualized building-loss ratio, 0.1% jobsSan Francisco, CA: 3.5% gross yield, 0.378% FEMA annualized building-loss ratio, 0.1% jobsSalt Lake City, UT: 3.5% gross yield, 0.181% FEMA annualized building-loss ratio, 1.3% jobsSteamboat Springs, CO: 3.4% gross yield, 0.193% FEMA annualized building-loss ratio, -3.6% jobsMissoula, MT: 3.2% gross yield, 0.148% FEMA annualized building-loss ratio, -0.2% jobsBlackfoot, ID: 3.1% gross yield, 0.143% FEMA annualized building-loss ratio, -0.3% jobsRexburg, ID: 3.1% gross yield, 0.153% FEMA annualized building-loss ratio, -0.6% jobsEdwards, CO: 3.0% gross yield, 0.256% FEMA annualized building-loss ratio, -0.5% jobsJackson, WY: 3.0% gross yield, 0.160% FEMA annualized building-loss ratio, -0.3% jobsSan Jose, CA: 2.8% gross yield, 0.413% FEMA annualized building-loss ratio, 1.4% jobsRoanoke RapidsMacombDanvilleHoughtonSault Ste. MarieFEMA annualized building-loss ratio →Gross yield →
Median lines are descriptive boundaries, not safety thresholds. FEMA exposure is not subtracted from gross yield and does not replace an insurance quote or property-level hazard review.
What the current contract says

Read the distribution before the example

All 696 eligible metros appear in the current matrix. 159 sit above median yield and below median modeled loss, while 189 sit above both medians. Roanoke Rapids, NC has the highest gross yield among the ranked lower-loss group.

Markets compared696complete yield and FEMA facts
Median gross yield5.9%before property expenses
Median expected loss0.1%FEMA modeled ratio
Higher yield / lower loss159screening quadrant
Open Roanoke Rapids, NC
01
Keep the units honest

Two percentages can describe entirely different denominators

Gross yield annualizes market rent and divides it by home value. It excludes vacancy, taxes, repairs, management, insurance and financing. FEMA loss ratio is a modeled community risk measure based on expected annual loss and exposure. The percentages share formatting, not an accounting identity.

Subtracting loss ratio from gross yield would imply the modeled community loss is a property expense captured on the same basis. It is not. The honest comparison is spatial: identify where both signals are relatively high or low, then replace each broad measure with property evidence.

02
Read modeled risk

Expected annual loss is a screening signal, not an insurance quote

FEMA National Risk Index combines hazards, exposure and modeled loss at a published geography. It is useful for comparing broad expected-loss context and identifying the leading hazard in the dataset. It cannot describe a building’s elevation, roof, flood zone, mitigation or insurer appetite.

A lower modeled ratio does not mean no risk, and a higher ratio does not mean a property is uninsurable. Source period, geographic aggregation and hazard model limitations belong in the interpretation. The signal determines which local documents and professional quotes should be requested.

03
Read the matrix

A favorable quadrant is a priority queue, not a buy list

Above-median yield with below-median modeled loss can be a productive place to start. It still may contain weak labor, declining population, expensive insurance or poor property economics. The quadrant says two broad screens align; it does not certify the market.

Above-median yield with above-median loss may still suit an investor who can verify mitigation and price the insurance exposure. Lower-yield markets may offer stronger growth or liquidity. The matrix preserves these trade-offs rather than forcing them into one universal winner.

04
Move to the address

Insurance and mitigation belong inside the property cash flow

Request current insurance quotes for the address and intended use. Check flood maps, local hazard layers, claims history where available, building materials, roof age, elevation and required deductibles. Taxes and maintenance may also respond to local risk in ways the broad loss ratio cannot capture.

Enter the verified premium and mitigation costs in the deal model, then stress renewal pricing and deductibles. If the deal works only with a generic insurance percentage, the risk analysis is unfinished. Market evidence narrows the search; the address determines the exposure.

Decision workflow

Move from a risk matrix to property evidence

  1. 1
    Preserve both measures

    Do not subtract yield and expected loss or call the result risk-adjusted return.

  2. 2
    Identify the hazard

    Use the FEMA context to choose the correct local diligence.

  3. 3
    Verify the address

    Check maps, construction, mitigation and current insurance terms.

  4. 4
    Price the real cost

    Put the quote and downside case into property cash flow.

Questions readers ask

Keep the boundary of the evidence visible

These answers are part of the article and the structured data. They state what the current sources can support—and where property-level evidence must take over.

Is FEMA expected annual loss the same as an insurance premium?

No. It is a modeled community risk measure. An insurer prices a specific property, coverage, deductible and policy under current market conditions.

Can yield be adjusted by subtracting climate loss ratio?

No. The denominators and meanings differ. Keep them on separate axes and move verified property costs into the cash-flow model.

Does a low-risk quadrant mean the property is safe?

No. Broad geography can hide address-level exposure, and the index does not replace inspection, maps, mitigation review or insurance.

Continue with the evidence

Find the markets where opportunity and modeled loss disagree

The full study exposes every quadrant and current source period. Use the explorer to shortlist markets, then obtain property-level risk and insurance evidence.

Open Risk & Return Explorer Open full research
Source ledger

The releases behind the examples

Every market figure above is rebuilt from these current public-source releases.

acs populationCensus ACS 5-year — populationACS 2024 5-year · retrieved 2026-07-26bls cesBLS CES — payroll employmentCES SM current · retrieved 2026-07-26bls lausBLS LAUS — resident employmentLAUS current · retrieved 2026-07-26cbsa delineationOMB/BLS delineation — metro geographyOMB July 2023 delineation · retrieved 2026-07-30fema nriFEMA National Risk Index — hazard loss ratiosNRI counties (FEMA ArcGIS) · retrieved 2026-07-26zillow zhviZillow ZHVI — metro home valuesMetro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · retrieved 2026-07-26zillow zoriZillow ZORI — metro market rentsMetro_zori_uc_sfrcondomfr_sm_sa_month.csv · retrieved 2026-07-26