ZIP Code 20515

The American Community Survey's 5-year estimate of the number of people living in the area (ACS B01003), read at each geographic level directly rather than summed up from smaller areas. Served as-is with no further calculation; areas with zero recorded population are dropped from the data entirely.

The ACS 5-year median value of owner-occupied homes (B25077), taken as describing 2022, multiplied by the latest annual FHFA repeat-sales house price index reading for the area divided by that same area's 2022 reading. A tract with no index of its own uses its county's series, then its state's, while a ZIP with none is left blank; the ACS median enters as published, including values top-coded at $2,000,001 or bottom-coded at $9,999.

Median annual real estate tax paid on owner-occupied housing units, taken straight from ACS table B25103 with no further computation. ACS top-codes this median at 10001, meaning $10,000 or more, and that code is served unchanged.

The median annual real-estate tax bill across owner-occupied homes with and without a mortgage (ACS B25103), divided by the median home value (ACS B25077). Left blank when either median is a bound ACS publishes in place of a figure -- a home value of $2,000,000 or more or under $10,000, or a tax of $10,000 or more -- and also when the tax figure is a literal zero.

Median home value (ACS B25077) divided by median household income (ACS B19013). Left blank wherever ACS censored either input, meaning home values published as "$9,999 or less" or "$2,000,000 or more" and incomes published as "$250,000 or more", because a ratio of two capped medians is not a measurement.

Median monthly gross rent, taken directly from ACS B25064 with no further calculation. Values at the top of the distribution arrive as the ACS top-code 3,501 rather than a true median, and that code is served as reported rather than blanked out.

This area's FHFA house price index in 2025 minus its 2020 level, divided by the 2020 level, times 100.

FHFA's published one-year percent change in the House Price Index for this area, taken as-is from FHFA's annual HPI file for the matching geography (tract, ZIP, county or state) rather than recomputed here. Juniper reads the most recent annual data year available in the pipeline.

The highest FHFA house price index reading in 2022-2023 minus the lowest reading in 2019-2020, divided by that 2019-2020 low, times 100.

The highest FHFA house price index reading in 2005-2007 minus the lowest reading in 2009-2012, divided by that 2005-2007 peak, times 100. A negative value means the 2009-2012 low was still above the pre-crash high.

FEMA's published National Risk Index composite risk score, carried through unchanged at the census tract. It runs 0 to 100, where 0 is the lowest modelled risk and 100 the highest, and it is a rank against other places of the same type — a tract against tracts, a county against counties — so it is not an absolute measure of anything. FEMA builds it from a place's expected annual loss from natural hazards, then adjusts that by FEMA's own community-level measures of social vulnerability and community resilience; because of those adjustments an area facing moderate hazards can score above one facing severe hazards, and the score should not be read as how much hazard a place is exposed to. The expected annual loss metrics are the hazard figures themselves. County values are a tract-population-weighted average of their tracts, state values a county-population-weighted average of their counties, and ZIP codes a weighted average using each tract's crosswalk share times its population; in every case the denominator counts only the units FEMA actually scores.

FEMA National Risk Index modelled expected annual loss from coastal flooding, in dollars, divided by the same area's FEMA building-value exposure expressed in thousands of dollars; an area with no reported building value is left blank rather than shown as zero. This covers coastal flooding only, not inland or riverine flooding, and county figures are population-weighted averages of their tract values while state figures are population-weighted averages of their county values, counting a place where FEMA models no coastal flood loss as zero rather than as missing.