OUT OFTHE STORMNEWS

Independent insurance-cost data from public records.

Data · Audit trail

Data History and Provenance

Inspect the exact source period, source-modified date, snapshot-generation date, schema version, validation status, and SHA-256 fingerprint behind each published index. Version records and confirmed corrections are retained instead of being silently replaced.

Tracked datasets
3

all currently live indexes

Version records
6

append-only snapshot fingerprints

Correction records
1

material data corrections disclosed

Manifest updated
Oct 7, 2026

dates are reported in UTC

How to read this audit trail

  • A version record is append-only. A refresh adds a new fingerprint instead of rewriting prior history.
  • SHA-256 is calculated from the exact committed normalized snapshot file.
  • Source period, source modification date, and local snapshot generation date are kept separate.
  • Confirmed material corrections identify the affected dataset, impact, resolution, and date.

Current: 2026-07-ca709fe5dc04

Flood Insurance Cost Index

Expected cadence: Monthly after a complete FEMA source month is available. Open the primary source.

VersionSource periodSource modifiedSnapshot generatedCoverage and validationSHA-256
2026-07-ca709fe5dc04Appended July 2026 from FEMA v3 (source refreshed 2026-09-09T18:03:47.071Z), with 373,519 records representing 472,502 policy transactions and an average premium of $985.58. Earlier trend values are unchanged. The prior complete snapshot is preserved verbatim at /flood-insurance/costs/archive/2026-06-56747e7e357a.json (SHA-256 56747e7e357a6dd1dfaa77389b558a962916481a2395e791871dcf1aeacf7301). Existing curated county profiles and their same-month comparisons remain explicitly bound to that reviewed June 2026 snapshot; national/state tables and CSVs use July. July has 343 eligible county rows and 12 of the fixed 305 candidates no longer meet the 100-transaction threshold, so no county route inventory or review status is changed.2026-07Sep 9, 2026Oct 7, 202615 national monthly periods and 53 state or territory seriesPolicy-weighted aggregation, national/state/county totals, 81 terminal-paginated API requests across 53 state/territory partitions, zero excluded or quarantined rows, and byte-equivalent preservation of all 14 prior national/state trend periods passedca709fe5dc04cef96a343acfb0bc8dc32cadce2bcf33e64f789f8f9d3b89454cschema flood-costs-v1 · commit 394b5766a3a76f6452b9067123c037c9a2cfa241
2026-06-56747e7e357aMigrated the source from the frozen FimaNfipPolicies v2 dataset to FEMA's successor NFIP Redacted Policies v3 and recomputed the series under the unchanged metric definition, widening the window to 14 months so every previously published period remains in the live series. The exact prior published snapshot is preserved verbatim at /flood-insurance/costs/archive/2026-05-fea91bd54b23.json (SHA-256 fea91bd54b231e8a0e650823b25d735601041e053509729e0afae97fd53fbe2a, matching the prior version record). 12 of 13 previously published months restate within ±0.15% policy count and ±0.12% average premium (May 2025: 422,599 → 422,975 policies, +0.09%); May 2026 recovers late-reported transactions the v2 freeze had cut off (policy count 384,643 → 404,900, +5.27%; average premium $981.99 → $979.13, −0.29%). Largest single-cell restatement: U.S. Virgin Islands June 2025 (234 → 320 policies, average premium $211.30 → $163.68), a small-sample series per the documented limitation. County assignment derives from the census block-group GEOID prefix, and a GEOID whose state prefix disagrees with the record's property state stays under the explicit state rollup instead of minting a wrong-state county. Adds the first post-freeze period, June 2026 (452,418 policies, average premium $1,001.31).2026-06Aug 4, 2026Aug 30, 2026Calculated from the fingerprinted current snapshot at render timeMetric-formula verification against published figures at policy-level precision (DC and HI May 2026), national-to-state total ties for all 14 months, state-list/latest-trend mirroring, full county-breakdown coverage with zero cross-state county rows, and terminal-page exhaustion across 1,023 partitioned API requests with zero excluded or quarantined rows all passed56747e7e357a6dd1dfaa77389b558a962916481a2395e791871dcf1aeacf7301schema flood-costs-v1 · commit 04b07e36
2026-05-fea91bd54b23Initial public snapshot2026-05Not supplied by sourceJul 17, 2026Calculated from the fingerprinted current snapshot at render timeMetric definition, state coverage, policy counts, and generated CSV contracts passedfea91bd54b231e8a0e650823b25d735601041e053509729e0afae97fd53fbe2aschema flood-costs-v1 · commit 45257602

Current: 2018-2022-35e12356b704

Home Insurance Cost Index

Expected cadence: When Treasury FIO publishes a new public release. Open the primary source.

VersionSource periodSource modifiedSnapshot generatedCoverage and validationSHA-256
2018-2022-35e12356b704Initial Treasury FIO public snapshot2018-2022Not supplied by sourceJul 20, 202625,593 public 2022 ZIP rows with 2018 baselines where disclosedSnapshot fingerprint, all-row geography coverage, state coverage, and summary denominator checks passed35e12356b704fc0c4a4fb82467860b2ec5ee616aacda3b91a867986484282ae3schema fio-homeowners-v1 · commit d1fc9761

Current: 2026-06-46fb0304319e

Medicare Enrollment Index

Expected cadence: Monthly after CMS publishes a new API distribution. Open the primary source.

VersionSource periodSource modifiedSnapshot generatedCoverage and validationSHA-256
2026-06-46fb0304319eRefreshed from 2026-04 to 2026-06 using the same CMS Medicare Monthly Enrollment series. The public catalog now identifies dated releases through DatasetSeries and PeriodOfTime fields. The exact prior published snapshot is preserved at /medicare/costs/archive/2026-04-f6dea059983b.json (SHA-256 f6dea059983bacbe83cb1be559e0c7a941897ae7e208499fc4a6656f6e58db06).2026-06Sep 23, 2026Oct 7, 2026National row, 56 state or territory rows, and 3,278 county rowsOfficial CMS catalog series identity, reporting-month filter, 56 state/territory rows, 3278 county rows, component totals and suppression handling passed46fb0304319e223334d43bfd8444e28d9bb7e9f901379721747aa2f5f77a6f15schema medicare-enrollment-v1 · commit 30b2281ba18a3b6e7967b2e88dc9755d2d31bc92
2026-04-f6dea059983bInitial CMS monthly enrollment snapshot2026-04Jul 23, 2026Jul 24, 2026Calculated from the fingerprinted current snapshot at render timeSource discovery, row thresholds, component totals, suppression handling, and geography reconciliation passedf6dea059983bacbe83cb1be559e0c7a941897ae7e208499fc4a6656f6e58db06schema medicare-enrollment-v1 · commit 2ffc485a

Correction ledger

This ledger covers material changes to data selection, aggregation, labeling, or published values. Editorial typo fixes are not included.

Corrected Jul 25, 2026 · home-insurance

Restored 2,327 public ZIP rows spanning 9 states; 8 of those states had been absent entirely from the derived state table.

The prior derived U.S. ZIP-row average used 23,266 of 25,593 rows and displayed $1,771. The corrected all-row average displays $1,776.

Resolution: Expanded geography coverage, exposed mapped and excluded counts, and added a zero-unmapped-row release test.

Recalculation evidence: Replay the pre-correction exclusions against the exact committed Treasury FIO normalized snapshot. Prior mapping commit d1fc9761; omitted prefixes 005, 010-099, 398-399, 885, 889, 967-968.

Find a mismatch? Include the page URL, source period, and visible value when writing to corrections@outofthestormnews.com.

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