{
  "@context": {
    "schema": "https://schema.org/",
    "au": "https://property-atlas.ryanjhunter.workers.dev/vocab/agent-native#",
    "@vocab": "https://schema.org/",
    "claims": {
      "@id": "au:claims",
      "@container": "@list"
    },
    "epistemicStatus": "au:epistemicStatus",
    "occurred": "au:occurred",
    "supported": "au:supported",
    "adjudged": "au:adjudged",
    "operative": "au:operative",
    "grounding": "au:grounding",
    "groundingType": "au:groundingType",
    "adjudicator": "au:adjudicator",
    "source": "au:source",
    "sourceUrl": "au:sourceUrl",
    "value": "au:value",
    "claimType": "au:claimType",
    "reviewStatus": "au:reviewStatus",
    "commercialInfluence": "au:commercialInfluence",
    "falsifier": "au:falsifier"
  },
  "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx.jsonld",
  "@type": "schema:Dataset",
  "name": "Atlas Commons research objects — natural-hazard risk profile for Texas",
  "description": "Texas's natural-hazard risk from public federal sources, with each figure's epistemic status labeled: recorded facts (NOAA storm events, property damage, and deaths for the 2025 storm year) are observations of what occurred; the cross-state rank is derived (an in-house ranking over the recorded single-year totals); rating figures (FEMA expected annual loss, FEMA NRI composite score, social vulnerability and community resilience indices) are models that authorities compute — not direct measurements; the two-lens and boundary notes are interpretation — state-level aggregates, not a verdict on any specific property. Sources: FEMA National Risk Index, NOAA Storm Events Database. CC0.",
  "license": "https://creativecommons.org/publicdomain/zero/1.0/",
  "isPartOf": "https://property-atlas.ryanjhunter.workers.dev/",
  "rdfs:isDefinedBy": "https://property-atlas.ryanjhunter.workers.dev/vocab/agent-native",
  "seeAlso": "https://agenticu.ryanjhunter.workers.dev/commons/the-research-object",
  "about": {
    "@type": "schema:Place",
    "name": "Texas",
    "identifier": "TX"
  },
  "claims": [
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/expected-annual-loss",
      "@type": "schema:Claim",
      "name": "FEMA EXPECTED annual loss from natural hazards in Texas is $12,347,225,872 (a modeled expectation)",
      "text": "The FEMA National Risk Index models an EXPECTED annual loss of $12,347,225,872 from all natural hazards for Texas (254 counties, 2026). An annualized expectation of future loss, not a record.",
      "claimType": "derived_measure",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "DerivedMeasure",
        "source": "FEMA National Risk Index",
        "sourceUrl": "https://hazards.fema.gov/nri/",
        "value": "$12,347,225,872",
        "adjudicator": {
          "name": "FEMA National Risk Index",
          "url": "https://hazards.fema.gov/nri/"
        }
      },
      "falsifier": "occurred=FALSE: a MODELED figure — an authority's computed quantity ESTIMATING an independent/latent value (an index or annualized expectation), REPRODUCIBLE from its disclosed inputs, NOT a record of an event. adjudged=TRUE because FEMA National Risk Index (an external authority) computes and publishes it. The grounding promises \"reproduce this from the inputs\" — so a categorical authority VERDICT that is NOT reproducible (a star rating, a risk class) is a 'determination', not 'modeled'. Superseded by the next release."
    },
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/nri-risk-score",
      "@type": "schema:Claim",
      "name": "FEMA NRI composite risk SCORE for Texas is 49.0012/100 (dominant hazard: Drought)",
      "text": "The FEMA National Risk Index composite risk score (0-100, county average; ~50 is the national midpoint, so above 50 is above the typical U.S. county) for Texas is 49.0012. A modeled composite index, not a recorded quantity.",
      "claimType": "derived_measure",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "DerivedMeasure",
        "source": "FEMA National Risk Index",
        "sourceUrl": "https://hazards.fema.gov/nri/",
        "value": "49.0012/100",
        "adjudicator": {
          "name": "FEMA National Risk Index",
          "url": "https://hazards.fema.gov/nri/"
        }
      },
      "falsifier": "occurred=FALSE: a MODELED figure — an authority's computed quantity ESTIMATING an independent/latent value (an index or annualized expectation), REPRODUCIBLE from its disclosed inputs, NOT a record of an event. adjudged=TRUE because FEMA National Risk Index (an external authority) computes and publishes it. The grounding promises \"reproduce this from the inputs\" — so a categorical authority VERDICT that is NOT reproducible (a star rating, a risk class) is a 'determination', not 'modeled'. Superseded by the next release."
    },
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/social-vulnerability",
      "@type": "schema:Claim",
      "name": "FEMA NRI social vulnerability SCORE for Texas is 64.7779/100 (a modeled index of who bears the risk)",
      "text": "The FEMA National Risk Index social vulnerability score (0–100, county average; built on the CDC/ATSDR Social Vulnerability Index) for Texas is 64.7779. A modeled composite of the social conditions that worsen a community's hazard outcomes — not a record of harm, and not a judgment of any person.",
      "claimType": "derived_measure",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "DerivedMeasure",
        "source": "FEMA National Risk Index (CDC/ATSDR Social Vulnerability Index)",
        "sourceUrl": "https://hazards.fema.gov/nri/",
        "value": "64.7779/100",
        "adjudicator": {
          "name": "FEMA National Risk Index (CDC/ATSDR Social Vulnerability Index)",
          "url": "https://hazards.fema.gov/nri/"
        }
      },
      "falsifier": "occurred=FALSE: a MODELED figure — an authority's computed quantity ESTIMATING an independent/latent value (an index or annualized expectation), REPRODUCIBLE from its disclosed inputs, NOT a record of an event. adjudged=TRUE because FEMA National Risk Index (CDC/ATSDR Social Vulnerability Index) (an external authority) computes and publishes it. The grounding promises \"reproduce this from the inputs\" — so a categorical authority VERDICT that is NOT reproducible (a star rating, a risk class) is a 'determination', not 'modeled'. Superseded by the next release."
    },
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/community-resilience",
      "@type": "schema:Claim",
      "name": "FEMA NRI community resilience SCORE for Texas is 30.5521/100 (a modeled index of the capacity to absorb and recover)",
      "text": "The FEMA National Risk Index community resilience score (0–100, county average; built on the HVRI Baseline Resilience Indicators for Communities) for Texas is 30.5521. A modeled composite of a community's capacity to prepare for, absorb, and recover from hazards — not a measured outcome.",
      "claimType": "derived_measure",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "DerivedMeasure",
        "source": "FEMA National Risk Index (HVRI Baseline Resilience Indicators for Communities)",
        "sourceUrl": "https://hazards.fema.gov/nri/",
        "value": "30.5521/100",
        "adjudicator": {
          "name": "FEMA National Risk Index (HVRI Baseline Resilience Indicators for Communities)",
          "url": "https://hazards.fema.gov/nri/"
        }
      },
      "falsifier": "occurred=FALSE: a MODELED figure — an authority's computed quantity ESTIMATING an independent/latent value (an index or annualized expectation), REPRODUCIBLE from its disclosed inputs, NOT a record of an event. adjudged=TRUE because FEMA National Risk Index (HVRI Baseline Resilience Indicators for Communities) (an external authority) computes and publishes it. The grounding promises \"reproduce this from the inputs\" — so a categorical authority VERDICT that is NOT reproducible (a star rating, a risk class) is a 'determination', not 'modeled'. Superseded by the next release."
    },
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/noaa-recorded-totals",
      "@type": "schema:Claim",
      "name": "NOAA recorded 4,755 storm events in Texas in 2025: $488,482,150 property damage, 153 direct deaths",
      "text": "The NOAA Storm Events Database records 4,755 storm events that occurred in Texas in 2025, with $488,482,150 in reported property damage, 153 direct deaths, and 70 direct injuries, across 28 distinct peril types. These are RECORDED occurrences (occurred=true) — the historical event log, NOT the modeled FEMA risk score above. Damage figures are NOAA's reported estimates and can undercount.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "NOAA NCEI Storm Events Database",
        "sourceUrl": "https://www.ncei.noaa.gov/stormevents/",
        "value": "4755 events / $488,482,150 / 153 deaths (2025)",
        "adjudicator": {
          "name": "NOAA NCEI Storm Events Database",
          "url": "https://www.ncei.noaa.gov/stormevents/"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from NOAA NCEI Storm Events Database; superseded when NOAA NCEI Storm Events Database publishes its next release."
    },
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/noaa-deadliest-peril",
      "@type": "schema:Claim",
      "name": "Flash Flood was the most consequential recorded peril in Texas in 2025 (144 deaths, $427,962,000)",
      "text": "Of all peril types NOAA recorded in Texas in 2025, Flash Flood caused the most direct deaths (144) across 624 events, with $427,962,000 in reported property damage. A recorded ranking within the actual event log (occurred=true), not a forecast of future perils.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "NOAA NCEI Storm Events Database",
        "sourceUrl": "https://www.ncei.noaa.gov/stormevents/",
        "value": "Flash Flood: 144 deaths / $427,962,000",
        "adjudicator": {
          "name": "NOAA NCEI Storm Events Database",
          "url": "https://www.ncei.noaa.gov/stormevents/"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from NOAA NCEI Storm Events Database; superseded when NOAA NCEI Storm Events Database publishes its next release."
    },
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/national-death-rank",
      "@type": "schema:Claim",
      "name": "Texas's 2025 storm deaths are 5.26 per million residents — 5th of 51 states population-normalized (raw count: 1st of 51)",
      "text": "Normalized for population, Texas's 153 direct storm deaths in 2025 are 5.26 per million residents — the 5th-highest of 51 states, against a typical state's 0.91. The raw count ranks 1st of 51, but per-capita de-confounds state size and is the truer cross-state comparison. In-house rankings over NOAA's recorded single-year counts (occurred=false as a ranking, adjudged=false); population is the Census resident total summed from counties.",
      "claimType": "derived_measure",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "DerivedMeasure",
        "source": "Property Atlas — population-normalized rank within the recorded single-year state death distribution",
        "sourceUrl": "https://www.ncei.noaa.gov/stormevents/",
        "value": "5.26/million, 5th of 51 (raw 1st of 51)",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a calculation, not an event) and adjudged=FALSE (a transparent in-house formula, not an authority's verdict — no external adjudicator). Reproduce it from its named inputs; falsified if the formula or inputs are wrong. Lower warrant than the adjudged figures above."
    },
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/two-lens-model-vs-record",
      "@type": "schema:Claim",
      "name": "Model and record diverge in Texas: FEMA's dollar-weighted dominant hazard is Drought; the 2025 deadliest force was Flash Flood",
      "text": "FEMA's National Risk Index, weighting expected-loss DOLLARS, names Drought Texas's dominant hazard. The 2025 NOAA record, weighting LIVES, shows Flash Flood as the deadliest force. Both are correct for the question they answer — dollars and lives are different lenses on the same place. This is the atlas's reading (occurred=false, adjudged=false), not a claim that either authority is wrong.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Property Atlas framing (over the FEMA model and the NOAA record above)",
        "sourceUrl": "https://property-atlas.ryanjhunter.workers.dev/",
        "value": "dollars → Drought; lives → Flash Flood",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a FEMA or NOAA verdict). The FEMA dominant hazard (modeled) and the deadliest recorded peril (recorded) above are each grounded; this two-lens contrast is the interpretation that joins them."
    },
    {
      "@id": "https://property-atlas.ryanjhunter.workers.dev/property/states/tx/boundary",
      "@type": "schema:Claim",
      "name": "What this risk profile is — and is NOT — for Texas (the epistemic boundary)",
      "text": "Every figure above is an official state-level figure from a named public authority (measured or rating, as labeled). They do NOT advise on a specific property's insurability, value, or whether to buy or insure it. For a property-level answer, use the FEMA Map Service Center and a licensed insurance producer.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Property Atlas framing (over the FEMA/NOAA figures above)",
        "sourceUrl": "https://property-atlas.ryanjhunter.workers.dev/",
        "value": "state-level figures; route to FEMA MSC + a licensed producer for property-level decisions",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's boundary, not an authority's verdict) — the LOWEST-warrant claim here. The measured figures (NOAA storm loss) and the rating figures (FEMA expected loss, NRI score) above are each grounded; this is the only context note, and the four-status says so."
    }
  ],
  "hasPart": [
    {
      "@type": "schema:ItemList",
      "name": "Texas — every risk indicator (typed)",
      "numberOfItems": 11,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "indicator": "NRI composite risk score (0–100)",
            "value": 49.0012,
            "warrant": "MODELED",
            "source": "FEMA NRI"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "indicator": "Dominant hazard",
            "value": "Drought",
            "warrant": "MODELED",
            "source": "FEMA NRI"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "indicator": "Expected annual loss (USD/yr)",
            "value": 12347225872,
            "warrant": "MODELED",
            "source": "FEMA NRI"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "indicator": "Counties in aggregate",
            "value": 254,
            "warrant": "—",
            "source": "FEMA NRI"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "indicator": "Social vulnerability (0–100)",
            "value": 64.7779,
            "warrant": "MODELED",
            "source": "FEMA NRI · CDC/ATSDR SVI"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "indicator": "Community resilience (0–100)",
            "value": 30.5521,
            "warrant": "MODELED",
            "source": "FEMA NRI · HVRI BRIC"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "indicator": "Storm property damage (USD)",
            "value": 488482150,
            "warrant": "RECORDED",
            "source": "NOAA Storm Events"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "indicator": "Storm events recorded",
            "value": 4755,
            "warrant": "RECORDED",
            "source": "NOAA Storm Events"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "indicator": "Storm direct deaths",
            "value": 153,
            "warrant": "RECORDED",
            "source": "NOAA Storm Events"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "indicator": "Mitigation dollars obligated (USD)",
            "value": 212313152,
            "warrant": "RECORDED",
            "source": "FEMA BRIC/HMGP"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "indicator": "Mitigation sub-applications",
            "value": 294,
            "warrant": "RECORDED",
            "source": "FEMA BRIC/HMGP"
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "Texas — recorded storm perils (NOAA, 2025)",
      "numberOfItems": 28,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "peril": "Flash Flood",
            "events": 624,
            "deaths": 144,
            "injuries": 0,
            "property_damage_usd": 427962000
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "peril": "Lightning",
            "events": 41,
            "deaths": 3,
            "injuries": 20,
            "property_damage_usd": 6540000
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "peril": "Rip Current",
            "events": 11,
            "deaths": 3,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "peril": "Thunderstorm Wind",
            "events": 1026,
            "deaths": 2,
            "injuries": 15,
            "property_damage_usd": 30255700
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "peril": "Winter Storm",
            "events": 76,
            "deaths": 1,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "peril": "Tornado",
            "events": 117,
            "deaths": 0,
            "injuries": 12,
            "property_damage_usd": 16062500
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "peril": "Hail",
            "events": 1197,
            "deaths": 0,
            "injuries": 5,
            "property_damage_usd": 5457750
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "peril": "Wildfire",
            "events": 13,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 1520000
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "peril": "Dust Storm",
            "events": 50,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 375000
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "peril": "Flood",
            "events": 50,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 172200
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "peril": "High Wind",
            "events": 186,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 80000
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "peril": "Strong Wind",
            "events": 5,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 47000
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "peril": "Winter Weather",
            "events": 110,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 10000
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "peril": "Drought",
            "events": 605,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 15,
          "item": {
            "peril": "Heat",
            "events": 266,
            "deaths": 0,
            "injuries": 18,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 16,
          "item": {
            "peril": "Cold/Wind Chill",
            "events": 180,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 17,
          "item": {
            "peril": "Frost/Freeze",
            "events": 54,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 18,
          "item": {
            "peril": "Heavy Rain",
            "events": 50,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 19,
          "item": {
            "peril": "Extreme Cold/Wind Chill",
            "events": 46,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 20,
          "item": {
            "peril": "Heavy Snow",
            "events": 15,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 21,
          "item": {
            "peril": "Astronomical Low Tide",
            "events": 11,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 22,
          "item": {
            "peril": "Excessive Heat",
            "events": 8,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 23,
          "item": {
            "peril": "Funnel Cloud",
            "events": 6,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 24,
          "item": {
            "peril": "Sleet",
            "events": 5,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 25,
          "item": {
            "peril": "Dense Fog",
            "events": 2,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 26,
          "item": {
            "peril": "Coastal Flood",
            "events": 1,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 27,
          "item": {
            "peril": "Blizzard",
            "events": 0,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 28,
          "item": {
            "peril": "Ice Storm",
            "events": 0,
            "deaths": 0,
            "injuries": 0,
            "property_damage_usd": 0
          }
        }
      ]
    }
  ]
}