{
  "_meta": {
    "title": "State of Home Safety 2026",
    "subtitle": "A data-driven assessment of residential environmental risk across 41,344 U.S. ZIP codes",
    "generated": "2026-04-03T12:02:20.619Z",
    "dataDate": "2026-04-03",
    "version": "1.0",
    "url": "https://zipcheckup.com/reports/state-of-home-safety-2026/",
    "source": "ZipCheckup.com",
    "license": "CC BY 4.0",
    "contact": "contact@zipcheckup.com"
  },
  "executiveSummary": {
    "nationalScore": 67,
    "nationalGrade": "C",
    "totalZips": 41344,
    "totalStates": 51,
    "gradeDistribution": {
      "A": 5723,
      "B": 12014,
      "C": 13554,
      "D": 9438,
      "F": 615
    },
    "statesWithBGrade": 20,
    "statesWithCGrade": 31,
    "anomaliesDetected": 23861,
    "medianHiddenCost": 1020,
    "keyFindings": [
      "National average Home Safety Score: 67/100 (Grade C)",
      "10053 ZIP codes (24.3%) received a D or F grade",
      "23,861 anomalies detected across 42,680 ZIP codes",
      "1,154 ZIP codes show accelerating infrastructure decay",
      "Median hidden annual cost of environmental risk: $1,020 per household",
      "2,466 ZIP codes scored 70+ on lead exposure risk",
      "1022 PFAS contamination clusters identified",
      "3,512 ZIP codes face high or very high wildfire risk"
    ]
  },
  "stateRankings": {
    "top10": [
      {
        "rank": 1,
        "code": "TX",
        "name": "Texas",
        "avgScore": 82,
        "grade": "B",
        "totalZips": 2649,
        "pctViolations": 79,
        "distribution": {
          "A": 1316,
          "B": 832,
          "C": 421,
          "D": 74,
          "F": 6
        },
        "best": {
          "zip": "75014",
          "city": "Irving",
          "county": "Dallas",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "79087",
          "city": "Texline",
          "county": "Dallam",
          "score": 17,
          "grade": "F",
          "violations": 22
        }
      },
      {
        "rank": 2,
        "code": "DE",
        "name": "Delaware",
        "avgScore": 81,
        "grade": "B",
        "totalZips": 97,
        "pctViolations": 68,
        "distribution": {
          "A": 30,
          "B": 56,
          "C": 9,
          "D": 2,
          "F": 0
        },
        "best": {
          "zip": "19902",
          "city": "Dover Afb",
          "county": "Kent",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "19733",
          "city": "Saint Georges",
          "county": "New Castle",
          "score": 53,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 3,
        "code": "MS",
        "name": "Mississippi",
        "avgScore": 81,
        "grade": "B",
        "totalZips": 532,
        "pctViolations": 79,
        "distribution": {
          "A": 229,
          "B": 196,
          "C": 95,
          "D": 12,
          "F": 0
        },
        "best": {
          "zip": "38859",
          "city": "New Site",
          "county": "Prentiss",
          "score": 99,
          "grade": "A",
          "violations": 1
        },
        "worst": {
          "zip": "39520",
          "city": "Bay Saint Louis",
          "county": "Hancock",
          "score": 50,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 4,
        "code": "NV",
        "name": "Nevada",
        "avgScore": 81,
        "grade": "B",
        "totalZips": 254,
        "pctViolations": 75,
        "distribution": {
          "A": 122,
          "B": 74,
          "C": 33,
          "D": 25,
          "F": 0
        },
        "best": {
          "zip": "89019",
          "city": "Jean",
          "county": "Clark",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "89821",
          "city": "Crescent Valley",
          "county": "Lander",
          "score": 40,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 5,
        "code": "HI",
        "name": "Hawaii",
        "avgScore": 79,
        "grade": "B",
        "totalZips": 137,
        "pctViolations": 7,
        "distribution": {
          "A": 65,
          "B": 41,
          "C": 31,
          "D": 0,
          "F": 0
        },
        "best": {
          "zip": "96767",
          "city": "Lahaina",
          "county": "Maui",
          "score": 95,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "96792",
          "city": "Waianae",
          "county": "Honolulu",
          "score": 55,
          "grade": "C",
          "violations": 0
        }
      },
      {
        "rank": 6,
        "code": "OK",
        "name": "Oklahoma",
        "avgScore": 79,
        "grade": "B",
        "totalZips": 771,
        "pctViolations": 82,
        "distribution": {
          "A": 315,
          "B": 205,
          "C": 233,
          "D": 17,
          "F": 1
        },
        "best": {
          "zip": "73016",
          "city": "Cashion",
          "county": "Kingfisher",
          "score": 99,
          "grade": "A",
          "violations": 1
        },
        "worst": {
          "zip": "74536",
          "city": "Clayton",
          "county": "Pushmataha",
          "score": 37,
          "grade": "F",
          "violations": 53
        }
      },
      {
        "rank": 7,
        "code": "OR",
        "name": "Oregon",
        "avgScore": 78,
        "grade": "B",
        "totalZips": 482,
        "pctViolations": 72,
        "distribution": {
          "A": 133,
          "B": 242,
          "C": 59,
          "D": 48,
          "F": 0
        },
        "best": {
          "zip": "97020",
          "city": "Donald",
          "county": "Marion",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "97901",
          "city": "Adrian",
          "county": "Malheur",
          "score": 50,
          "grade": "D",
          "violations": 28
        }
      },
      {
        "rank": 8,
        "code": "SC",
        "name": "South Carolina",
        "avgScore": 78,
        "grade": "B",
        "totalZips": 534,
        "pctViolations": 41,
        "distribution": {
          "A": 206,
          "B": 163,
          "C": 118,
          "D": 47,
          "F": 0
        },
        "best": {
          "zip": "29009",
          "city": "Bethune",
          "county": "Kershaw",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "29683",
          "city": "Slater",
          "county": "Greenville",
          "score": 40,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 9,
        "code": "WA",
        "name": "Washington",
        "avgScore": 78,
        "grade": "B",
        "totalZips": 726,
        "pctViolations": 60,
        "distribution": {
          "A": 287,
          "B": 213,
          "C": 148,
          "D": 78,
          "F": 0
        },
        "best": {
          "zip": "98035",
          "city": "Kent",
          "county": "King",
          "score": 99,
          "grade": "A",
          "violations": 1
        },
        "worst": {
          "zip": "99181",
          "city": "Valley",
          "county": "Stevens",
          "score": 40,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 10,
        "code": "AR",
        "name": "Arkansas",
        "avgScore": 76,
        "grade": "B",
        "totalZips": 706,
        "pctViolations": 36,
        "distribution": {
          "A": 262,
          "B": 205,
          "C": 176,
          "D": 61,
          "F": 2
        },
        "best": {
          "zip": "71611",
          "city": "Pine Bluff",
          "county": "Jefferson",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "71662",
          "city": "Pickens",
          "county": "Desha",
          "score": 33,
          "grade": "F",
          "violations": 59
        }
      }
    ],
    "bottom10": [
      {
        "rank": 51,
        "code": "WY",
        "name": "Wyoming",
        "avgScore": 55,
        "grade": "C",
        "totalZips": 195,
        "pctViolations": 58,
        "distribution": {
          "A": 0,
          "B": 16,
          "C": 96,
          "D": 72,
          "F": 11
        },
        "best": {
          "zip": "82730",
          "city": "Upton",
          "county": "Weston",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "82222",
          "city": "Lance Creek",
          "county": "Niobrara",
          "score": 13,
          "grade": "F",
          "violations": 18
        }
      },
      {
        "rank": 50,
        "code": "PA",
        "name": "Pennsylvania",
        "avgScore": 55,
        "grade": "C",
        "totalZips": 2184,
        "pctViolations": 48,
        "distribution": {
          "A": 80,
          "B": 151,
          "C": 667,
          "D": 1188,
          "F": 98
        },
        "best": {
          "zip": "19019",
          "city": "Philadelphia",
          "county": "Philadelphia",
          "score": 96,
          "grade": "A",
          "violations": 4
        },
        "worst": {
          "zip": "19083",
          "city": "Havertown",
          "county": "Delaware",
          "score": 10,
          "grade": "F",
          "violations": 99
        }
      },
      {
        "rank": 49,
        "code": "MT",
        "name": "Montana",
        "avgScore": 55,
        "grade": "C",
        "totalZips": 405,
        "pctViolations": 52,
        "distribution": {
          "A": 0,
          "B": 49,
          "C": 164,
          "D": 178,
          "F": 14
        },
        "best": {
          "zip": "59011",
          "city": "Big Timber",
          "county": "Sweet Grass",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "59542",
          "city": "Turner",
          "county": "Blaine",
          "score": 22,
          "grade": "F",
          "violations": 13
        }
      },
      {
        "rank": 48,
        "code": "ND",
        "name": "North Dakota",
        "avgScore": 56,
        "grade": "C",
        "totalZips": 407,
        "pctViolations": 29,
        "distribution": {
          "A": 4,
          "B": 46,
          "C": 170,
          "D": 183,
          "F": 4
        },
        "best": {
          "zip": "58415",
          "city": "Berlin",
          "county": "LaMoure",
          "score": 88,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "58760",
          "city": "Maxbass",
          "county": "Bottineau",
          "score": 11,
          "grade": "F",
          "violations": 12
        }
      },
      {
        "rank": 47,
        "code": "ME",
        "name": "Maine",
        "avgScore": 57,
        "grade": "C",
        "totalZips": 485,
        "pctViolations": 43,
        "distribution": {
          "A": 0,
          "B": 64,
          "C": 171,
          "D": 241,
          "F": 9
        },
        "best": {
          "zip": "04008",
          "city": "Bowdoinham",
          "county": "Sagadahoc",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "04274",
          "city": "Poland",
          "county": "Androscoggin",
          "score": 30,
          "grade": "F",
          "violations": 25
        }
      },
      {
        "rank": 46,
        "code": "NJ",
        "name": "New Jersey",
        "avgScore": 58,
        "grade": "C",
        "totalZips": 726,
        "pctViolations": 40,
        "distribution": {
          "A": 15,
          "B": 130,
          "C": 248,
          "D": 299,
          "F": 34
        },
        "best": {
          "zip": "08062",
          "city": "Mullica Hill",
          "county": "Atlantic",
          "score": 95,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "07963",
          "city": "Morristown",
          "county": "Morris",
          "score": 25,
          "grade": "F",
          "violations": 5
        }
      },
      {
        "rank": 45,
        "code": "IA",
        "name": "Iowa",
        "avgScore": 59,
        "grade": "C",
        "totalZips": 1058,
        "pctViolations": 45,
        "distribution": {
          "A": 0,
          "B": 126,
          "C": 658,
          "D": 263,
          "F": 11
        },
        "best": {
          "zip": "50006",
          "city": "Alden",
          "county": "Hardin",
          "score": 70,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "51462",
          "city": "Scranton",
          "county": "Greene",
          "score": 30,
          "grade": "F",
          "violations": 3
        }
      },
      {
        "rank": 44,
        "code": "SD",
        "name": "South Dakota",
        "avgScore": 60,
        "grade": "C",
        "totalZips": 392,
        "pctViolations": 35,
        "distribution": {
          "A": 1,
          "B": 81,
          "C": 155,
          "D": 155,
          "F": 0
        },
        "best": {
          "zip": "57716",
          "city": "Batesland",
          "county": "Oglala Lakota",
          "score": 88,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "57660",
          "city": "Watauga",
          "county": "Corson",
          "score": 40,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 43,
        "code": "OH",
        "name": "Ohio",
        "avgScore": 60,
        "grade": "C",
        "totalZips": 1435,
        "pctViolations": 53,
        "distribution": {
          "A": 0,
          "B": 316,
          "C": 602,
          "D": 478,
          "F": 39
        },
        "best": {
          "zip": "43111",
          "city": "Carbon Hill",
          "county": "Hocking",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "45490",
          "city": "Dayton",
          "county": "Montgomery",
          "score": 32,
          "grade": "F",
          "violations": 5
        }
      },
      {
        "rank": 42,
        "code": "IN",
        "name": "Indiana",
        "avgScore": 60,
        "grade": "C",
        "totalZips": 980,
        "pctViolations": 64,
        "distribution": {
          "A": 5,
          "B": 215,
          "C": 401,
          "D": 350,
          "F": 9
        },
        "best": {
          "zip": "46730",
          "city": "Corunna",
          "county": "DeKalb",
          "score": 88,
          "grade": "A",
          "violations": 1
        },
        "worst": {
          "zip": "46538",
          "city": "Leesburg",
          "county": "Kosciusko",
          "score": 24,
          "grade": "F",
          "violations": 10
        }
      }
    ],
    "allStates": [
      {
        "rank": 1,
        "code": "TX",
        "name": "Texas",
        "avgScore": 82,
        "grade": "B",
        "totalZips": 2649,
        "pctViolations": 79,
        "distribution": {
          "A": 1316,
          "B": 832,
          "C": 421,
          "D": 74,
          "F": 6
        },
        "best": {
          "zip": "75014",
          "city": "Irving",
          "county": "Dallas",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "79087",
          "city": "Texline",
          "county": "Dallam",
          "score": 17,
          "grade": "F",
          "violations": 22
        }
      },
      {
        "rank": 2,
        "code": "DE",
        "name": "Delaware",
        "avgScore": 81,
        "grade": "B",
        "totalZips": 97,
        "pctViolations": 68,
        "distribution": {
          "A": 30,
          "B": 56,
          "C": 9,
          "D": 2,
          "F": 0
        },
        "best": {
          "zip": "19902",
          "city": "Dover Afb",
          "county": "Kent",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "19733",
          "city": "Saint Georges",
          "county": "New Castle",
          "score": 53,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 3,
        "code": "MS",
        "name": "Mississippi",
        "avgScore": 81,
        "grade": "B",
        "totalZips": 532,
        "pctViolations": 79,
        "distribution": {
          "A": 229,
          "B": 196,
          "C": 95,
          "D": 12,
          "F": 0
        },
        "best": {
          "zip": "38859",
          "city": "New Site",
          "county": "Prentiss",
          "score": 99,
          "grade": "A",
          "violations": 1
        },
        "worst": {
          "zip": "39520",
          "city": "Bay Saint Louis",
          "county": "Hancock",
          "score": 50,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 4,
        "code": "NV",
        "name": "Nevada",
        "avgScore": 81,
        "grade": "B",
        "totalZips": 254,
        "pctViolations": 75,
        "distribution": {
          "A": 122,
          "B": 74,
          "C": 33,
          "D": 25,
          "F": 0
        },
        "best": {
          "zip": "89019",
          "city": "Jean",
          "county": "Clark",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "89821",
          "city": "Crescent Valley",
          "county": "Lander",
          "score": 40,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 5,
        "code": "HI",
        "name": "Hawaii",
        "avgScore": 79,
        "grade": "B",
        "totalZips": 137,
        "pctViolations": 7,
        "distribution": {
          "A": 65,
          "B": 41,
          "C": 31,
          "D": 0,
          "F": 0
        },
        "best": {
          "zip": "96767",
          "city": "Lahaina",
          "county": "Maui",
          "score": 95,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "96792",
          "city": "Waianae",
          "county": "Honolulu",
          "score": 55,
          "grade": "C",
          "violations": 0
        }
      },
      {
        "rank": 6,
        "code": "OK",
        "name": "Oklahoma",
        "avgScore": 79,
        "grade": "B",
        "totalZips": 771,
        "pctViolations": 82,
        "distribution": {
          "A": 315,
          "B": 205,
          "C": 233,
          "D": 17,
          "F": 1
        },
        "best": {
          "zip": "73016",
          "city": "Cashion",
          "county": "Kingfisher",
          "score": 99,
          "grade": "A",
          "violations": 1
        },
        "worst": {
          "zip": "74536",
          "city": "Clayton",
          "county": "Pushmataha",
          "score": 37,
          "grade": "F",
          "violations": 53
        }
      },
      {
        "rank": 7,
        "code": "OR",
        "name": "Oregon",
        "avgScore": 78,
        "grade": "B",
        "totalZips": 482,
        "pctViolations": 72,
        "distribution": {
          "A": 133,
          "B": 242,
          "C": 59,
          "D": 48,
          "F": 0
        },
        "best": {
          "zip": "97020",
          "city": "Donald",
          "county": "Marion",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "97901",
          "city": "Adrian",
          "county": "Malheur",
          "score": 50,
          "grade": "D",
          "violations": 28
        }
      },
      {
        "rank": 8,
        "code": "SC",
        "name": "South Carolina",
        "avgScore": 78,
        "grade": "B",
        "totalZips": 534,
        "pctViolations": 41,
        "distribution": {
          "A": 206,
          "B": 163,
          "C": 118,
          "D": 47,
          "F": 0
        },
        "best": {
          "zip": "29009",
          "city": "Bethune",
          "county": "Kershaw",
          "score": 99,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "29683",
          "city": "Slater",
          "county": "Greenville",
          "score": 40,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 9,
        "code": "WA",
        "name": "Washington",
        "avgScore": 78,
        "grade": "B",
        "totalZips": 726,
        "pctViolations": 60,
        "distribution": {
          "A": 287,
          "B": 213,
          "C": 148,
          "D": 78,
          "F": 0
        },
        "best": {
          "zip": "98035",
          "city": "Kent",
          "county": "King",
          "score": 99,
          "grade": "A",
          "violations": 1
        },
        "worst": {
          "zip": "99181",
          "city": "Valley",
          "county": "Stevens",
          "score": 40,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 10,
        "code": "AR",
        "name": "Arkansas",
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        "code": "CO",
        "name": "Colorado",
        "avgScore": 60,
        "grade": "C",
        "totalZips": 658,
        "pctViolations": 74,
        "distribution": {
          "A": 0,
          "B": 57,
          "C": 426,
          "D": 166,
          "F": 9
        },
        "best": {
          "zip": "81123",
          "city": "Blanca",
          "county": "Costilla",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "80746",
          "city": "Paoli",
          "county": "Phillips",
          "score": 31,
          "grade": "F",
          "violations": 4
        }
      },
      {
        "rank": 42,
        "code": "IN",
        "name": "Indiana",
        "avgScore": 60,
        "grade": "C",
        "totalZips": 980,
        "pctViolations": 64,
        "distribution": {
          "A": 5,
          "B": 215,
          "C": 401,
          "D": 350,
          "F": 9
        },
        "best": {
          "zip": "46730",
          "city": "Corunna",
          "county": "DeKalb",
          "score": 88,
          "grade": "A",
          "violations": 1
        },
        "worst": {
          "zip": "46538",
          "city": "Leesburg",
          "county": "Kosciusko",
          "score": 24,
          "grade": "F",
          "violations": 10
        }
      },
      {
        "rank": 43,
        "code": "OH",
        "name": "Ohio",
        "avgScore": 60,
        "grade": "C",
        "totalZips": 1435,
        "pctViolations": 53,
        "distribution": {
          "A": 0,
          "B": 316,
          "C": 602,
          "D": 478,
          "F": 39
        },
        "best": {
          "zip": "43111",
          "city": "Carbon Hill",
          "county": "Hocking",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "45490",
          "city": "Dayton",
          "county": "Montgomery",
          "score": 32,
          "grade": "F",
          "violations": 5
        }
      },
      {
        "rank": 44,
        "code": "SD",
        "name": "South Dakota",
        "avgScore": 60,
        "grade": "C",
        "totalZips": 392,
        "pctViolations": 35,
        "distribution": {
          "A": 1,
          "B": 81,
          "C": 155,
          "D": 155,
          "F": 0
        },
        "best": {
          "zip": "57716",
          "city": "Batesland",
          "county": "Oglala Lakota",
          "score": 88,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "57660",
          "city": "Watauga",
          "county": "Corson",
          "score": 40,
          "grade": "D",
          "violations": 0
        }
      },
      {
        "rank": 45,
        "code": "IA",
        "name": "Iowa",
        "avgScore": 59,
        "grade": "C",
        "totalZips": 1058,
        "pctViolations": 45,
        "distribution": {
          "A": 0,
          "B": 126,
          "C": 658,
          "D": 263,
          "F": 11
        },
        "best": {
          "zip": "50006",
          "city": "Alden",
          "county": "Hardin",
          "score": 70,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "51462",
          "city": "Scranton",
          "county": "Greene",
          "score": 30,
          "grade": "F",
          "violations": 3
        }
      },
      {
        "rank": 46,
        "code": "NJ",
        "name": "New Jersey",
        "avgScore": 58,
        "grade": "C",
        "totalZips": 726,
        "pctViolations": 40,
        "distribution": {
          "A": 15,
          "B": 130,
          "C": 248,
          "D": 299,
          "F": 34
        },
        "best": {
          "zip": "08062",
          "city": "Mullica Hill",
          "county": "Atlantic",
          "score": 95,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "07963",
          "city": "Morristown",
          "county": "Morris",
          "score": 25,
          "grade": "F",
          "violations": 5
        }
      },
      {
        "rank": 47,
        "code": "ME",
        "name": "Maine",
        "avgScore": 57,
        "grade": "C",
        "totalZips": 485,
        "pctViolations": 43,
        "distribution": {
          "A": 0,
          "B": 64,
          "C": 171,
          "D": 241,
          "F": 9
        },
        "best": {
          "zip": "04008",
          "city": "Bowdoinham",
          "county": "Sagadahoc",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "04274",
          "city": "Poland",
          "county": "Androscoggin",
          "score": 30,
          "grade": "F",
          "violations": 25
        }
      },
      {
        "rank": 48,
        "code": "ND",
        "name": "North Dakota",
        "avgScore": 56,
        "grade": "C",
        "totalZips": 407,
        "pctViolations": 29,
        "distribution": {
          "A": 4,
          "B": 46,
          "C": 170,
          "D": 183,
          "F": 4
        },
        "best": {
          "zip": "58415",
          "city": "Berlin",
          "county": "LaMoure",
          "score": 88,
          "grade": "A",
          "violations": 0
        },
        "worst": {
          "zip": "58760",
          "city": "Maxbass",
          "county": "Bottineau",
          "score": 11,
          "grade": "F",
          "violations": 12
        }
      },
      {
        "rank": 49,
        "code": "MT",
        "name": "Montana",
        "avgScore": 55,
        "grade": "C",
        "totalZips": 405,
        "pctViolations": 52,
        "distribution": {
          "A": 0,
          "B": 49,
          "C": 164,
          "D": 178,
          "F": 14
        },
        "best": {
          "zip": "59011",
          "city": "Big Timber",
          "county": "Sweet Grass",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "59542",
          "city": "Turner",
          "county": "Blaine",
          "score": 22,
          "grade": "F",
          "violations": 13
        }
      },
      {
        "rank": 50,
        "code": "PA",
        "name": "Pennsylvania",
        "avgScore": 55,
        "grade": "C",
        "totalZips": 2184,
        "pctViolations": 48,
        "distribution": {
          "A": 80,
          "B": 151,
          "C": 667,
          "D": 1188,
          "F": 98
        },
        "best": {
          "zip": "19019",
          "city": "Philadelphia",
          "county": "Philadelphia",
          "score": 96,
          "grade": "A",
          "violations": 4
        },
        "worst": {
          "zip": "19083",
          "city": "Havertown",
          "county": "Delaware",
          "score": 10,
          "grade": "F",
          "violations": 99
        }
      },
      {
        "rank": 51,
        "code": "WY",
        "name": "Wyoming",
        "avgScore": 55,
        "grade": "C",
        "totalZips": 195,
        "pctViolations": 58,
        "distribution": {
          "A": 0,
          "B": 16,
          "C": 96,
          "D": 72,
          "F": 11
        },
        "best": {
          "zip": "82730",
          "city": "Upton",
          "county": "Weston",
          "score": 83,
          "grade": "B",
          "violations": 0
        },
        "worst": {
          "zip": "82222",
          "city": "Lance Creek",
          "county": "Niobrara",
          "score": 13,
          "grade": "F",
          "violations": 18
        }
      }
    ],
    "byGrade": {
      "B": [
        {
          "code": "AK",
          "name": "Alaska",
          "avgScore": 75
        },
        {
          "code": "AL",
          "name": "Alabama",
          "avgScore": 73
        },
        {
          "code": "AR",
          "name": "Arkansas",
          "avgScore": 76
        },
        {
          "code": "CA",
          "name": "California",
          "avgScore": 73
        },
        {
          "code": "DE",
          "name": "Delaware",
          "avgScore": 81
        },
        {
          "code": "FL",
          "name": "Florida",
          "avgScore": 73
        },
        {
          "code": "GA",
          "name": "Georgia",
          "avgScore": 75
        },
        {
          "code": "HI",
          "name": "Hawaii",
          "avgScore": 79
        },
        {
          "code": "LA",
          "name": "Louisiana",
          "avgScore": 71
        },
        {
          "code": "MI",
          "name": "Michigan",
          "avgScore": 74
        },
        {
          "code": "MS",
          "name": "Mississippi",
          "avgScore": 81
        },
        {
          "code": "NC",
          "name": "North Carolina",
          "avgScore": 73
        },
        {
          "code": "NV",
          "name": "Nevada",
          "avgScore": 81
        },
        {
          "code": "OK",
          "name": "Oklahoma",
          "avgScore": 79
        },
        {
          "code": "OR",
          "name": "Oregon",
          "avgScore": 78
        },
        {
          "code": "SC",
          "name": "South Carolina",
          "avgScore": 78
        },
        {
          "code": "TX",
          "name": "Texas",
          "avgScore": 82
        },
        {
          "code": "UT",
          "name": "Utah",
          "avgScore": 72
        },
        {
          "code": "VT",
          "name": "Vermont",
          "avgScore": 71
        },
        {
          "code": "WA",
          "name": "Washington",
          "avgScore": 78
        }
      ],
      "C": [
        {
          "code": "AZ",
          "name": "Arizona",
          "avgScore": 64
        },
        {
          "code": "CO",
          "name": "Colorado",
          "avgScore": 60
        },
        {
          "code": "CT",
          "name": "Connecticut",
          "avgScore": 65
        },
        {
          "code": "DC",
          "name": "District of Columbia",
          "avgScore": 68
        },
        {
          "code": "IA",
          "name": "Iowa",
          "avgScore": 59
        },
        {
          "code": "ID",
          "name": "Idaho",
          "avgScore": 66
        },
        {
          "code": "IL",
          "name": "Illinois",
          "avgScore": 61
        },
        {
          "code": "IN",
          "name": "Indiana",
          "avgScore": 60
        },
        {
          "code": "KS",
          "name": "Kansas",
          "avgScore": 64
        },
        {
          "code": "KY",
          "name": "Kentucky",
          "avgScore": 61
        },
        {
          "code": "MA",
          "name": "Massachusetts",
          "avgScore": 66
        },
        {
          "code": "MD",
          "name": "Maryland",
          "avgScore": 61
        },
        {
          "code": "ME",
          "name": "Maine",
          "avgScore": 57
        },
        {
          "code": "MN",
          "name": "Minnesota",
          "avgScore": 62
        },
        {
          "code": "MO",
          "name": "Missouri",
          "avgScore": 69
        },
        {
          "code": "MT",
          "name": "Montana",
          "avgScore": 55
        },
        {
          "code": "ND",
          "name": "North Dakota",
          "avgScore": 56
        },
        {
          "code": "NE",
          "name": "Nebraska",
          "avgScore": 65
        },
        {
          "code": "NH",
          "name": "New Hampshire",
          "avgScore": 64
        },
        {
          "code": "NJ",
          "name": "New Jersey",
          "avgScore": 58
        },
        {
          "code": "NM",
          "name": "New Mexico",
          "avgScore": 62
        },
        {
          "code": "NY",
          "name": "New York",
          "avgScore": 61
        },
        {
          "code": "OH",
          "name": "Ohio",
          "avgScore": 60
        },
        {
          "code": "PA",
          "name": "Pennsylvania",
          "avgScore": 55
        },
        {
          "code": "RI",
          "name": "Rhode Island",
          "avgScore": 61
        },
        {
          "code": "SD",
          "name": "South Dakota",
          "avgScore": 60
        },
        {
          "code": "TN",
          "name": "Tennessee",
          "avgScore": 69
        },
        {
          "code": "VA",
          "name": "Virginia",
          "avgScore": 66
        },
        {
          "code": "WI",
          "name": "Wisconsin",
          "avgScore": 66
        },
        {
          "code": "WV",
          "name": "West Virginia",
          "avgScore": 64
        },
        {
          "code": "WY",
          "name": "Wyoming",
          "avgScore": 55
        }
      ]
    }
  },
  "waterQuality": {
    "pctStatesOver50Violations": 34,
    "avgViolationRate": 55.7,
    "pfas": {
      "totalZipsWithData": 12863,
      "clustersDetected": 1022
    },
    "lead": {
      "totalZips": 32959,
      "highRiskCount": 2466,
      "riskDistribution": {
        "High": 19551,
        "Very High": 2061,
        "Moderate": 10124,
        "Low": 1223
      },
      "avgScore": 50
    },
    "silentDangerZips": 616,
    "enforcementSpikes": 5084
  },
  "infrastructure": {
    "summary": {
      "totalZips": 38549,
      "avgAge": 53,
      "medianAge": 48,
      "over50Years": 17030,
      "decayClasses": {
        "accelerating": 1154,
        "moderate": 11610,
        "slow": 19186,
        "stable": 6599
      },
      "acceleratingCount": 1154
    },
    "flood": {
      "totalZips": 26172,
      "totalClaims": 2663849,
      "totalPaidUsd": 88253960587,
      "highClaimZips": 3412,
      "avgPaidPerClaim": 33130
    },
    "wildfire": {
      "totalZips": 42675,
      "riskDistribution": {
        "very_low": 10234,
        "low": 19348,
        "moderate": 9581,
        "high": 2395,
        "very_high": 1117
      },
      "smokeRiskDistribution": {
        "high": 33283,
        "moderate": 6491,
        "low": 2901
      },
      "highOrVeryHigh": 3512
    },
    "housing": {
      "pre-1940": {
        "label": "Pre-1940",
        "zipCount": 1860,
        "avgLeadScore": 70,
        "highRiskPct": 100,
        "avgPre1986": 89
      },
      "1940s": {
        "label": "1940s",
        "zipCount": 1397,
        "avgLeadScore": 68,
        "highRiskPct": 100,
        "avgPre1986": 86
      },
      "1950s": {
        "label": "1950s",
        "zipCount": 3473,
        "avgLeadScore": 63,
        "highRiskPct": 100,
        "avgPre1986": 83
      },
      "1960s": {
        "label": "1960s",
        "zipCount": 4516,
        "avgLeadScore": 60,
        "highRiskPct": 98,
        "avgPre1986": 77
      },
      "1970s": {
        "label": "1970s",
        "zipCount": 8807,
        "avgLeadScore": 53,
        "highRiskPct": 85,
        "avgPre1986": 68
      },
      "1980s": {
        "label": "1980s",
        "zipCount": 7311,
        "avgLeadScore": 43,
        "highRiskPct": 39,
        "avgPre1986": 53
      },
      "1990s": {
        "label": "1990s",
        "zipCount": 4103,
        "avgLeadScore": 30,
        "highRiskPct": 3,
        "avgPre1986": 35
      },
      "2000s": {
        "label": "2000s",
        "zipCount": 1329,
        "avgLeadScore": 22,
        "highRiskPct": 1,
        "avgPre1986": 19
      },
      "2010s": {
        "label": "2010s",
        "zipCount": 159,
        "avgLeadScore": 20,
        "highRiskPct": 0,
        "avgPre1986": 12
      },
      "2020s": {
        "label": "2020s",
        "zipCount": 3,
        "avgLeadScore": 17,
        "highRiskPct": 0,
        "avgPre1986": 7
      }
    }
  },
  "compoundRisk": {
    "totalZips": 42675,
    "medianAnnualCost": 1020,
    "p90AnnualCost": 3370,
    "meanAnnualCost": 1466,
    "tierDistribution": {
      "high": 10050,
      "very_high": 4458,
      "critical": 1158,
      "low": 6820,
      "minimal": 3030,
      "moderate": 17159
    },
    "verticalsCount": 13
  },
  "anomalies": {
    "total": 23861,
    "zipsScanned": 42680,
    "byType": {
      "pfas-cluster": 1022,
      "double-burden": 11,
      "school-zone-risk": 125,
      "island-of-safety": 369,
      "silent-danger": 616,
      "score-contradiction": 11531,
      "wealth-paradox": 1579,
      "infrastructure-mismatch": 12,
      "rapid-decline": 3512,
      "enforcement-spike": 5084
    },
    "topByType": {
      "pfas-cluster": [
        {
          "zip": "10507",
          "severity": 8,
          "headline": "PFAS cluster: 3 adjacent ZIPs near Bedford Hills, NY all exceed limits"
        },
        {
          "zip": "10562",
          "severity": 8,
          "headline": "PFAS cluster: 3 adjacent ZIPs near Ossining, NY all exceed limits"
        },
        {
          "zip": "10588",
          "severity": 8,
          "headline": "PFAS cluster: 3 adjacent ZIPs near Shrub Oak, NY all exceed limits"
        }
      ],
      "double-burden": [
        {
          "zip": "02148",
          "severity": 9,
          "headline": "Malden, MA (02148): lead in water, flood-prone, and aging pre-1947 housing"
        },
        {
          "zip": "11757",
          "severity": 9,
          "headline": "Lindenhurst, NY (11757): lead in water, flood-prone, and aging pre-1952 housing"
        },
        {
          "zip": "13357",
          "severity": 9,
          "headline": "Ilion, NY (13357): lead in water, flood-prone, and aging pre-1942 housing"
        }
      ],
      "school-zone-risk": [
        {
          "zip": "02720",
          "severity": 9,
          "headline": "Children in Fall River, MA (02720) attend school in a lead-risk zone with 1940-era plumbing"
        },
        {
          "zip": "02721",
          "severity": 9,
          "headline": "Children in Fall River, MA (02721) attend school in a lead-risk zone with 1949-era plumbing"
        },
        {
          "zip": "02723",
          "severity": 9,
          "headline": "Children in Fall River, MA (02723) attend school in a lead-risk zone with 1948-era plumbing"
        }
      ],
      "island-of-safety": [
        {
          "zip": "01225",
          "severity": 7,
          "headline": "Cheshire, MA (01225) is a D-grade outlier amid 4 A/B neighbors"
        },
        {
          "zip": "02066",
          "severity": 7,
          "headline": "Scituate, MA (02066) is a D-grade outlier amid 4 A/B neighbors"
        },
        {
          "zip": "02163",
          "severity": 7,
          "headline": "Boston, MA (02163) is an A-grade island surrounded by 3 D/F neighbors"
        }
      ],
      "silent-danger": [
        {
          "zip": "01441",
          "severity": 10,
          "headline": "Westminster, MA (01441) has 3 violations, 3 health-based violations but zero enforcement actions"
        },
        {
          "zip": "01473",
          "severity": 10,
          "headline": "Westminster, MA (01473) has 3 violations, 3 health-based violations but zero enforcement actions"
        },
        {
          "zip": "03101",
          "severity": 10,
          "headline": "Manchester, NH (03101) has 9 violations, 3 health-based violations but zero enforcement actions"
        }
      ],
      "score-contradiction": [
        {
          "zip": "02111",
          "severity": 10,
          "headline": "Boston, MA (02111) earned an A grade despite 7 enforcement actions"
        },
        {
          "zip": "02112",
          "severity": 10,
          "headline": "Boston, MA (02112) earned an A grade despite 7 enforcement actions"
        },
        {
          "zip": "02113",
          "severity": 10,
          "headline": "Boston, MA (02113) earned an A grade despite 7 enforcement actions"
        }
      ],
      "wealth-paradox": [
        {
          "zip": "01072",
          "severity": 7,
          "headline": "Shutesbury, MA (01072): $103K median income but D safety grade"
        },
        {
          "zip": "01270",
          "severity": 7,
          "headline": "Windsor, MA (01270): $105K median income but D safety grade"
        },
        {
          "zip": "01346",
          "severity": 7,
          "headline": "Heath, MA (01346): $111K median income but D safety grade"
        }
      ],
      "infrastructure-mismatch": [
        {
          "zip": "07703",
          "severity": 6,
          "headline": "Fort Monmouth, NJ (07703): 42% pre-1950 housing but low lead risk score (39)"
        },
        {
          "zip": "25142",
          "severity": 6,
          "headline": "Nellis, WV (25142): 42% pre-1950 housing but low lead risk score (39)"
        },
        {
          "zip": "26421",
          "severity": 6,
          "headline": "Pullman, WV (26421): 40% pre-1950 housing but low lead risk score (40)"
        }
      ],
      "rapid-decline": [
        {
          "zip": "01098",
          "severity": 10,
          "headline": "Worthington, MA (01098) safety score plunged 25 points (83→58)"
        },
        {
          "zip": "01225",
          "severity": 10,
          "headline": "Cheshire, MA (01225) safety score plunged 25 points (78→53)"
        },
        {
          "zip": "02153",
          "severity": 10,
          "headline": "Medford, MA (02153) safety score plunged 30 points (43→13)"
        }
      ],
      "enforcement-spike": [
        {
          "zip": "01568",
          "severity": 10,
          "headline": "Upton, MA (01568) hit with 5 enforcement actions in the past year"
        },
        {
          "zip": "01921",
          "severity": 10,
          "headline": "Boxford, MA (01921) hit with 8 enforcement actions in the past year"
        },
        {
          "zip": "02330",
          "severity": 10,
          "headline": "Carver, MA (02330) hit with 6 enforcement actions in the past year"
        }
      ]
    }
  },
  "methodology": {
    "dataSources": 63,
    "freshSources": 23,
    "scoringModel": "Weighted composite of 17 risk verticals. Each ZIP receives 0-100 score. Grades: A (80-100), B (65-79), C (50-64), D (35-49), F (0-34).",
    "verticals": [
      "Water Quality",
      "Lead Exposure",
      "PFAS Contamination",
      "Radon",
      "Flood Risk",
      "Wildfire & Smoke",
      "Earthquake",
      "Mold",
      "CO & Gas Safety",
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