State Market-Stress File: Every County, Bank-ZIP Row and ZIP Insurance Score
The state file is the county report scaled up: one row per county for the summary, then every bank-ZIP exposure row in the state, then every ZIP's insurance distress score. It is built for people who compare counties rather than study one, and it is the file behind most of the state-level charts on the site.
- The state stress file covers one state. us-state-stress-file: a one-time file at $79.
- States behind the state stress file: 55.
- Counties: 3,181.
- Datasets under us-state-stress-file: bank zip exposure and county insurance distress and zcta insurance distress (3 registered).
us-state-stress-file: the state stress file figures as of 2026-10-20; catalog entry us-state-stress-file.
| The state stress file | us-state-stress-file value |
|---|---|
| States | 55 |
| Counties for us-state-stress-file | 3,181 |
| ZIP codes | 33,458 |
| Price and mode of us-state-stress-file | a one-time file at $79 |
| The state stress file: geography | one state |
| us-state-stress-file dataset: bank zip exposure | fresh, newest Mon Oct 19 |
| us-state-stress-file dataset: county insurance distress | fresh, newest Thu Oct 01 |
| us-state-stress-file dataset: zcta insurance distress | fresh, newest Mon Jun 01 |
The state stress file coverage, recomputed every six hours.
Who it is for
Fund analysts, lenders with a statewide footprint, insurers' real-estate desks and data teams who want the state's exposure in a spreadsheet rather than on a map.
What you receive
Three sections: the county summary with headwind, insurance and unemployment; the bank exposure table with every bank, ZIP, branch count, deposits and stress score; and the ZIP insurance table with score, rank and trend.
How to work it
Sort the county summary by headwind to find where credit is tightening, then open the bank-ZIP rows for those counties to see which lenders are the cause. The ZIP insurance table finds the pockets where carrying cost is rising fastest.
Freshness gate on the state stress file
Before any sale of the state stress file, the registry checks bank zip exposure for us-state-stress-file ("fresh", newest Mon Oct 19) and county insurance distress for us-state-stress-file ("fresh", newest Thu Oct 01) and zcta insurance distress for us-state-stress-file ("fresh", newest Mon Jun 01). If one source stalls, us-state-stress-file is withdrawn until the state stress file refreshes with it, so no buyer of us-state-stress-file pays for stale rows.
Get the state stress file
Choose the state at checkout; the file rebuilds from the live tables at download.
Every row of us-state-stress-file carries a fingerprint; the state stress file is licensed to the buyer.
State Market-Stress File: Every County, Bank-ZIP Row and ZIP Insurance Score: questions
How large is the file?
Tens of thousands of rows for a large state, because the bank-ZIP section lists every bank in every ZIP. It opens in any spreadsheet.
What does the state stress file cost?
The state stress file is a one-time file at $79; us-state-stress-file covers one state. Stress Points also buy us-state-stress-file for plan members.
More on the state stress file
State Market-Stress File: Every County, Bank-ZIP Row and ZIP Insurance Score (us-state-stress-file) is fed by catalog entry us-state-stress-file and is not legal advice. Nothing in the state stress file is tax or investment advice; verify every us-state-stress-file record with the issuing office before acting.