{"sample":true,"featured":{"state":"FL","peril":"composite","top_risk_counties":[{"county":"MIAMI-DADE","county_name":"Miami-Dade","fips":"12086","eal_total":824686737.2615321,"eal_score":null,"eal_rating":null,"risk_score":99.61832061068702,"risk_rating":"Very High","population":2698679,"sovi_rating":"Relatively High"},{"county":"BROWARD","county_name":"Broward","fips":"12011","eal_total":647973333.4330842,"eal_score":null,"eal_rating":null,"risk_score":99.45928753180662,"risk_rating":"Relatively High","population":1940829,"sovi_rating":"Relatively Moderate"},{"county":"PALM BEACH","county_name":"Palm Beach","fips":"12099","eal_total":518587102.1950527,"eal_score":null,"eal_rating":null,"risk_score":99.20483460559797,"risk_rating":"Relatively High","population":1489461,"sovi_rating":"Relatively Moderate"},{"county":"HILLSBOROUGH","county_name":"Hillsborough","fips":"12057","eal_total":494579509.60975146,"eal_score":null,"eal_rating":null,"risk_score":98.82315521628499,"risk_rating":"Relatively High","population":1458282,"sovi_rating":"Relatively Low"},{"county":"LEE","county_name":"Lee","fips":"12071","eal_total":433307086.1364581,"eal_score":null,"eal_rating":null,"risk_score":99.04580152671755,"risk_rating":"Relatively High","population":759922,"sovi_rating":"Relatively High"}],"premium_overlay":{"premium_period":"2025","counties_matched":67,"top10_hazard_premium":12488100000,"top10_premium_share_pct":72.47}},"states":["AK","AL","AR","AS","AZ","CA","CO","CT","DC","DE","FL","GA","GU","HI","IA","ID","IL","IN","KS","KY","LA","MA","MD","ME","MI","MN","MO","MP","MS","MT","NC","ND","NE","NH","NJ","NM","NV","NY","OH","OK","OR","PA","PR","RI","SC","SD","TN","TX","UT","VA","VI","VT","WA","WI","WV","WY"],"perils":["composite","coastal_flood","cold_wave","drought","earthquake","hail","heat_wave","hurricane","ice_storm","riverine_flood","landslide","lightning","strong_wind","tornado","wildfire","winter_weather"],"report_date":"2026-07-14","data_as_of":"1.20.0","source":"FEMA National Risk Index (County), December 2025 (v1.20.0)","coverage_note":"Hazard scores are FEMA National Risk Index (NRI) county-level figures for 18 natural hazards: the Risk Index and Expected Annual Loss (EAL, in dollars), plus a composite across all hazards. Scores are 0-100 relative percentiles; ratings run Very Low to Very High. This is modeled chronic risk, not an insured-loss or premium figure. The premium overlay annotates the LATEST annual county-level surplus-lines premium with each county's hazard EAL -- available where county premium exists (Florida today). FEMA NRI is public-domain U.S. federal data. This product uses FEMA's National Risk Index data but is not endorsed by FEMA. See /v1/coverage for the loaded perils and premium-overlay states.","note":"Free sample: Florida's highest-risk counties (composite FEMA National Risk Index) plus the premium-overlay headline. Full county rankings for any state/peril (/v1/hazard) and the county-premium overlay (/v1/hazard/premium) are paid endpoints (see /openapi.json)."}