Methodology: Middle half of paid building claims (25th–75th percentile)
Every figure carrying this label on a county page is computed exactly as described below, from public government data. Nothing is estimated or editorialized.
| What it measures | recorded building payments |
|---|---|
| Unit | USD |
| Source dataset | FEMA — OpenFEMA NFIP Redacted Claims v2 |
| Data version / accessed | through 2026-05 (cube build 2026-07-21b, generated 2026-07-21) |
| Exact source fields | dateOfLoss, amountPaidOnBuildingClaim, countyCode |
| Formula | p25, p75 = nearest_rank(sorted paid_building, 0.25 / 0.75) |
| Predicates / filters | the 25th percentile (p25) and 75th percentile (p75), nearest-rank, of amountPaidOnBuildingClaim over paid claims (> $0) with a DATE OF LOSS in the trailing 60 months. The 'middle half' is the range p25–p75 — the interquartile range (IQR): a quarter of paid claims fell below p25 and a quarter above p75. Nearest-rank: the value at sorted index ceil(q*n)-1 for q in {0.25, 0.75}. |
| Date semantics | date of loss within the trailing 60 months ending at complete_through |
| Window boundaries | trailing 60 months of dates of loss ending 2026-05 (last complete NFIP month) |
| Rounding | displayed to the nearest $1,000 (k) |
| Suppression rule | tile hidden below n=20 paid claims in the window |
| Minimum sample (min_n) | 20 |
| Geography | US county (FIPS) |
Internal build query
This query runs against our internal data cube (private cube_*/fct_* tables built from the public sources below). It is exact but not runnable by a reader — use the public reproduction recipe that follows.
SELECT p25, p75 FROM cube_county_window_paid
WHERE county_fips = :fips AND window = 'trailing_60m';Reproduce from the public source
This recomputes the figure from the raw public dataset. Public data is live and may run ahead of our snapshot (see the data version above); numbers can differ by rows added since our ingest vintage.
OpenFEMA FimaNfipClaims v2 — fema.gov/api/open/v2:
$filter = countyCode eq '<fips>' and dateOfLoss ge '<end-60-months>'
and dateOfLoss lt '<end+1-month>' and amountPaidOnBuildingClaim gt 0
$select = amountPaidOnBuildingClaim
Sort ascending; p25/p75 = value at index ceil(0.25|0.75*n)-1 (nearest-rank).Worked example: in Harris County the middle half of paid building claims runs about $6,775 (p25) to $51,528 (p75) over the trailing 5 years.
Change log
2026-07-21 (r3) — window boundaries corrected (no windowed metric reads "not windowed"); LIMIT/ordering/geography/status predicates documented; the query relabeled the internal build query and paired with a public raw-source reproduction recipe.
2026-07-21 — record published with source URL, exact fields, predicates, window boundaries, rounding, suppression, and a worked example. Prior records disclosed a formula only.
Corrections
Spotted an error? Corrections: support@countyguard.com. We publish the fix and note it in this change log.
Independent professional (adjuster/restoration) review of the guidance built on these figures is pending and blocks release (D2). This record documents the data method only; it is not insurance, legal, or engineering advice.