state,risk_score,owner_vacancy,rental_vacancy,crime_rate,notes
Alabama,52,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — adjust with county data
Alaska,70,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score — adjust with local PD data
Arizona,60,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score — metro vacancy pockets
Arkansas,65,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score — tune with insurer inputs
California,55,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — large metro variance
Colorado,50,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — front range variance
Connecticut,35,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score — generally lower property crime
Delaware,40,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
District of Columbia,85,2.2% (est.),9.6% (est.),"Severe (5/5, est.)",Seed score — high theft/squatting sensitivity
Florida,55,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — hurricane/water exclusions separate
Georgia,52,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — ATL metro variance
Hawaii,28,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Idaho,30,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Illinois,50,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — Chicago vs downstate spread
Indiana,45,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
Iowa,30,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Kansas,40,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
Kentucky,48,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
Louisiana,75,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score — copper/HVAC theft sensitivity
Maine,25,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Maryland,45,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
Massachusetts,35,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Michigan,50,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — legacy vacancy clusters
Minnesota,32,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Mississippi,60,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score
Missouri,58,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
Montana,35,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Nebraska,32,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Nevada,60,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score — Las Vegas metro variance
New Hampshire,25,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
New Jersey,35,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
New Mexico,78,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score — high property-crime context
New York,45,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — NYC vs upstate spread
North Carolina,50,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
North Dakota,28,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Ohio,48,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — legacy vacancy pockets
Oklahoma,68,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score
Oregon,48,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
Pennsylvania,42,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
Rhode Island,30,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
South Carolina,62,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score
South Dakota,28,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Tennessee,65,1.7% (est.),8.4% (est.),"High (4/5, est.)",Seed score
Texas,58,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score — legal changes affect squatting timelines
Utah,30,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Vermont,22,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Virginia,40,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
Washington,48,1.3% (est.),7.3% (est.),"Moderate (3/5, est.)",Seed score
West Virginia,38,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Wisconsin,35,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score
Wyoming,30,1.0% (est.),6.5% (est.),"Low–Mod (2/5, est.)",Seed score