Climate Severity by ZIP: NOAA Disaster Frequency and the Climate Score (2026)
The climate card reads the NOAA storm-event record for the ZIP's county over ten years, counts the declared disasters, weights them by severity, and sets the result beside FEMA's national risk rating. It is the climate component inside the insurance-distress score and the macro-risk input to the investment profile. This report ranks the most exposed ZIPs, gives the national averages and the FEMA rating mix.
- 33,643 ZIPs carry a climate reading as of 2026-06-01; the average ten-year severity is 67.2 and the average disaster frequency 67.1 on the climate-noaa card.
- 17,599 ZIPs score 70 or higher on severity; FEMA county ratings run Very Low 1,345, Relatively Low 1,200, Relatively Moderate 420, Relatively High 162, Insufficient Data 88, Very High 17.
- 90301 in Los Angeles County, CA is most exposed at severity 100.0 with 100.0 disasters in ten years.
- The climate-noaa reading is the climate component of the insurance-distress score and the macro-risk input to the investment profile.
climate-noaa: the climate and NOAA card figures as of 2026-10-20; source NOAA storm-event records and the FEMA National Risk Index by county, read to ZIPs.
| ZIP (county, state) | Climate severity | Disasters 10y | HPI YoY | HPI source |
|---|---|---|---|---|
| 90301 (Los Angeles, CA) | 100.0 | 100.0 | 0.4% | state |
ZIP areas by ten-year climate severity (climate-noaa, as of 2026-10-20)
The most climate-exposed ZIP areas (climate-noaa)
90301 in Los Angeles County, CA: severity 100.0, 100.0 disasters, prices 0.4% year over year. One row per county is shown because NOAA records events by county.
What climate-noaa measures
NOAA disaster frequency over five and ten years, the ten-year climate severity score, the FHFA price change and drawdown beside them, and the dominant HPI source. The FEMA National Risk Index rating for the county is read in the same card family.
How climate-noaa is computed
Events are counted from NOAA's storm-event database by county and scaled to 0-100 by frequency and damage; the ZIP inherits its county's reading. FEMA's risk index supplies the rating bands shown in the findings. The table is monthly.
How to use climate-noaa on a deal
High climate severity with rising prices is a market pricing in the risk slowly; high severity with falling prices and carrier retreat is a market repricing it now. For a hold, severity sets the ceiling on the period: the card's interpretation line says when external risk defines the exit.
Read climate-noaa on your ZIPs
The insurance-distress pages show the climate component by county; the live board shows the card on every parcel.
Climate-noaa refreshes with its source table.
Climate Severity by ZIP: NOAA Disaster Frequency and the Climate Score (2026): questions
Why does every ZIP in a county read the same?
NOAA events are recorded by county; the ZIP reads its county's frequency and severity.
What is the FEMA rating?
The National Risk Index's qualitative band for the county, from very low to very high, built from expected annual loss, social vulnerability and resilience.
Does the score include sea-level rise?
No. It reads recorded events; forward projections are outside it.
More on the climate and NOAA card
Climate Severity by ZIP: NOAA Disaster Frequency and the Climate Score (2026) (climate-noaa) is computed from NOAA storm-event records and the FEMA National Risk Index by county, read to ZIPs; the climate and NOAA card is research (climate-noaa), not legal advice; nothing on the climate-noaa page is tax or climate-noaa investment advice, so verify every climate-noaa figure with its issuing agency before acting.