US Market Areas
State-by-state county headwind scores. Higher scores signal concentrated banking stress, natural hazard risk, and home-price decline.
50
STATES
4,081
COUNTIES
14.7/100
AVG HEADWIND
FDIC + FEMA + FHFA
DATA SOURCE
Top 25 Highest-Stress Counties
| # | County | State | Headwind | Stress Bar | Banks | Stressed | Credit Proxy |
|---|---|---|---|---|---|---|---|
| 1 | essex | NJ | 100.0 | 31 | 28 | 3656.02 | |
| 2 | middlesex | NJ | 100.0 | 41 | 33 | 3327.45 | |
| 3 | bergen | NJ | 100.0 | 45 | 25 | 3222.30 | |
| 4 | multnomah | OR | 100.0 | 21 | 21 | 3598.64 | |
| 5 | harris | TX | 100.0 | 47 | 44 | 13620.89 | |
| 6 | bucks | PA | 100.0 | 29 | 23 | 3644.77 | |
| 7 | charleston | SC | 100.0 | 33 | 29 | 2880.74 | |
| 8 | greenville | SC | 100.0 | 36 | 33 | 2424.03 | |
| 9 | salt lake | UT | 100.0 | 55 | 27 | 5133.48 | |
| 10 | fort bend | TX | 100.0 | 47 | 43 | 3151.22 | |
| 11 | shelby | TN | 100.0 | 35 | 31 | 3722.34 | |
| 12 | denton | TX | 100.0 | 46 | 37 | 3987.26 | |
| 13 | montgomery | TX | 100.0 | 38 | 38 | 2495.06 | |
| 14 | travis | TX | 100.0 | 63 | 63 | 6269.33 | |
| 15 | dallas | TX | 100.0 | 100 | 85 | 7471.63 | |
| 16 | collin | TX | 100.0 | 74 | 59 | 5055.66 | |
| 17 | snohomish | WA | 100.0 | 22 | 21 | 3088.00 | |
| 18 | fairfax | VA | 100.0 | 39 | 36 | 5199.06 | |
| 19 | king | WA | 100.0 | 43 | 39 | 9737.15 | |
| 20 | williamson | TX | 100.0 | 40 | 38 | 2976.59 | |
| 21 | tarrant | TX | 100.0 | 78 | 75 | 8574.24 | |
| 22 | bexar | TX | 100.0 | 52 | 32 | 4677.95 | |
| 23 | la crosse | WI | 100.0 | 17 | 11 | 2775.77 | |
| 24 | chesterfield | VA | 100.0 | 20 | 17 | 2681.07 | |
| 25 | monmouth | NJ | 100.0 | 23 | 22 | 3309.85 |
All States — County Headwind Summary
Average county headwind score per state. Click any state to drill into the heatmap.
NJ60.5
21 countiesMax: 100.0
435 banks375 stressed
CA40.3
58 countiesMax: 100.0
868 banks746 stressed
DE33.0
3 countiesMax: 77.1
60 banks38 stressed
CT32.7
9 countiesMax: 100.0
144 banks106 stressed
AZ32.4
15 countiesMax: 100.0
144 banks113 stressed
FL32.0
1005 countiesMax: 100.0
14,565 banks14,565 stressed
MD22.7
24 countiesMax: 100.0
284 banks239 stressed
SC19.2
46 countiesMax: 100.0
448 banks414 stressed
PA19.2
67 countiesMax: 100.0
777 banks692 stressed
NC17.6
100 countiesMax: 100.0
803 banks754 stressed
OR17.6
36 countiesMax: 100.0
250 banks235 stressed
WA17.1
39 countiesMax: 100.0
355 banks333 stressed
NV16.8
17 countiesMax: 100.0
104 banks88 stressed
UT15.5
29 countiesMax: 100.0
177 banks142 stressed
MS15.0
82 countiesMax: 100.0
522 banks473 stressed
NM12.8
33 countiesMax: 100.0
191 banks162 stressed
AR12.4
75 countiesMax: 100.0
547 banks452 stressed
CO11.8
64 countiesMax: 100.0
554 banks467 stressed
VA11.2
133 countiesMax: 100.0
891 banks853 stressed
GA10.3
159 countiesMax: 100.0
976 banks851 stressed
AL9.5
67 countiesMax: 100.0
595 banks494 stressed
WI9.0
72 countiesMax: 100.0
669 banks530 stressed
MN8.9
87 countiesMax: 100.0
854 banks602 stressed
TN8.7
95 countiesMax: 100.0
764 banks670 stressed
TX8.6
254 countiesMax: 100.0
2,117 banks1,792 stressed
NY7.8
62 countiesMax: 100.0
748 banks656 stressed
AK7.5
30 countiesMax: 55.9
60 banks55 stressed
ID7.4
44 countiesMax: 74.8
210 banks192 stressed
WV6.3
55 countiesMax: 65.2
279 banks251 stressed
WY5.9
23 countiesMax: 21.0
144 banks124 stressed
NE5.4
93 countiesMax: 100.0
570 banks444 stressed
OK4.3
77 countiesMax: 50.0
598 banks440 stressed
IA4.2
99 countiesMax: 82.6
761 banks511 stressed
LA4.2
64 countiesMax: 37.8
551 banks455 stressed
IL4.0
102 countiesMax: 29.4
1,074 banks762 stressed
MT3.9
56 countiesMax: 31.2
196 banks161 stressed
MA3.8
14 countiesMax: 15.8
281 banks190 stressed
OH3.7
88 countiesMax: 41.3
960 banks824 stressed
SD3.3
66 countiesMax: 49.9
286 banks243 stressed
MO3.1
115 countiesMax: 37.5
942 banks774 stressed
KY2.2
120 countiesMax: 31.8
674 banks549 stressed
ND1.7
53 countiesMax: 27.7
245 banks200 stressed
MI1.4
83 countiesMax: 15.3
530 banks454 stressed
HI1.1
5 countiesMax: 4.2
34 banks28 stressed
IN0.9
92 countiesMax: 9.8
709 banks609 stressed
KS0.8
105 countiesMax: 40.0
683 banks488 stressed
RI0.6
5 countiesMax: 2.0
61 banks58 stressed
NH0.4
10 countiesMax: 1.6
124 banks107 stressed
ME0.1
16 countiesMax: 1.0
117 banks95 stressed
VT0.0
14 countiesMax: 0.0
88 banks79 stressed