Yield + FEMA exposure

High gross yield under FEMA loss exposure

Which US metros combine an above-median gross yield with an at-or-below-median FEMA annualized building-loss ratio?

Gross yield and hazard exposure answer different underwriting questions. This study keeps them on separate axes, uses the complete direct metro intersection, and retains employment as a counter-signal.

Complete metro set
696
direct Zillow, FEMA and BLS evidence
Higher yield / lower loss
159
clears both descriptive median rules
Median gross yield
5.9%
rent × 12 ÷ home value
Median annual loss
0.143%
FEMA building-value loss ratio
What the two-axis screen reveals

A lower FEMA ratio does not rescue a weak demand signal

The complete intersection contains 696 metros. Its unweighted medians are 5.9% gross yield and 0.143% annualized FEMA building-loss exposure. 159 metros sit at or above the yield line while staying at or below the loss line. Another 189 clear the yield line with above-median loss exposure, which is precisely why the two measures remain separate.

Roanoke Rapids, NC has the highest gross yield in the lower-loss screen at 11.7%. Its FEMA ratio is 0.127%, its dominant hazard is inland flooding, and current employment changes -0.9%. That jobs reading prevents the first row from becoming a recommendation based on two favorable coordinates.

FEMA exposure is not an expense estimate. Gross yield is not net of insurance. The chart is a due-diligence queue, not a risk-adjusted return model.

The lowest FEMA ratio inside the screen belongs to Eagle Pass, TX at 0.061%, paired with a 7.0% gross yield. The strongest employment reading belongs to Oxford, MS at 2.9%; its yield and loss ratio are 6.1% and 0.123%. Use the interactive explorer to change the cutoffs without changing the definitions.

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.
Decision table

The first 24 rows, with a path to the underlying market

696 total rows Download all rows
Highest gross yields in the at-or-below-median FEMA loss group
Screen orderMetroGross yieldFEMA annual lossDominant hazardJobs YoYNext step
1Roanoke Rapids, NC$107k home · $1,048 rent11.7%0.127%inland flooding-0.9%Open explorer
2Macomb, IL$99k home · $919 rent11.1%0.118%inland flooding-3.5%Open explorer
3Danville, IL$99k home · $881 rent10.7%0.127%inland flooding-2.4%Open explorer
4Houghton, MI$198k home · $1,769 rent10.7%0.089%inland flooding-0.9%Open explorer
5Sault Ste. Marie, MI$201k home · $1,700 rent10.2%0.061%inland flooding-1.4%Open explorer
6Ozark, AL$165k home · $1,383 rent10.1%0.130%inland flooding0.2%Open explorer
7Decatur, IL$128k home · $1,030 rent9.7%0.140%inland flooding-0.5%Open explorer
8Ogdensburg, NY$151k home · $1,173 rent9.3%0.119%inland flooding0.1%Open explorer
9Monroe, LA$168k home · $1,271 rent9.1%0.103%inland flooding1.1%Open explorer
10Pottsville, PA$170k home · $1,267 rent9.0%0.131%inland flooding0.1%Open explorer
11Somerset, KY$184k home · $1,360 rent8.9%0.131%inland flooding1.5%Open explorer
12Mount Pleasant, TX$223k home · $1,641 rent8.8%0.114%inland flooding-7.3%Open explorer
13Shreveport, LA$186k home · $1,358 rent8.8%0.123%inland flooding0.0%Open explorer
14Laurel, MS$156k home · $1,133 rent8.7%0.142%inland flooding0.8%Open explorer
15Sumter, SC$209k home · $1,504 rent8.6%0.132%inland flooding0.3%Open explorer
16Johnstown, PA$121k home · $863 rent8.6%0.080%inland flooding-1.0%Open explorer
17Wichita Falls, TX$179k home · $1,277 rent8.5%0.119%inland flooding-0.3%Open explorer
18DuBois, PA$145k home · $1,029 rent8.5%0.114%inland flooding0.0%Open explorer
19Elmira, NY$164k home · $1,155 rent8.4%0.097%inland flooding0.0%Open explorer
20Sandusky, OH$243k home · $1,689 rent8.4%0.114%inland flooding2.1%Open explorer
21Del Rio, TX$212k home · $1,478 rent8.3%0.092%inland flooding-1.1%Open explorer
22Greenwood, SC$176k home · $1,214 rent8.3%0.103%inland flooding2.2%Open explorer
23Waycross, GA$171k home · $1,163 rent8.2%0.143%inland flooding-0.1%Open explorer
24Jacksonville, TX$234k home · $1,580 rent8.1%0.108%inland flooding0.8%Open explorer

The visible table is intentionally limited for reading. The CSV contains every row that passes the printed inclusion rule.

Reproduce the screen

Inclusion first, interpretation second.

Include every RentMarker metro with direct Zillow ZHVI and ZORI, a population-weighted FEMA annualized building-loss ratio and a named BLS employment series. Compute unweighted medians across that complete intersection, then place every metro into one of four yield/loss groups. The screen group is yield at or above the median with loss exposure at or below the median; no group receives a composite score.

Methodology version: v4

Method

  1. Gross yield is current monthly Zillow ZORI multiplied by 12 and divided by Zillow ZHVI.
  2. Metro FEMA exposure is the population-weighted average of member-county annualized building-loss ratios from the National Risk Index.
  3. Median lines are descriptive boundaries computed from the same complete metro universe; BLS employment change remains a separate counter-signal.

Counter-signals

  • Gross yield is before insurance, taxes, vacancy, repairs, management and financing, so FEMA exposure is not an expense adjustment to that yield.
  • A lower-half FEMA ratio is not a safe-market label; each metro still has a dominant hazard and property-level exposure can differ sharply.
  • Several high-yield, lower-loss metros have flat or declining employment, which can weaken the demand case despite clearing the two-axis screen.

Limitations

  • FEMA NRI is not an insurance quote, parcel flood map or prediction of a specific loss; property construction, elevation and policy terms remain unknown.
  • Zillow, FEMA, Census and BLS releases cover different periods, so the chart is a current joined screen rather than a synchronized causal model.
  • Metro averages can conceal county, city and neighborhood differences, and median boundaries change when the complete source universe changes.
Move from market to deal

Use the study to narrow the question—not to skip underwriting.

Open a market for its supply, affordability, migration and risk context. Compare a deliberate substitute, then bring a real property price, rent and expenses into the stress test.

Explore yield and risk Stress-test a dealOpen curated comparisons
Source vintages

Every input release used by this study

Release and retrieval dates stay visible so a reader can tell whether two measures describe the same moment.

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