What actually hits houses here?
Fourteen FEMA hazard rankings and thirty years of recorded county storm events, wind and ice first in New Hampshire. A renewal call that opens with the county's own record is a different call, and when a prospect says "FEMA rates us low," you have both numbers on the table.
County grain · FEMA NRI + NOAA storm events, 1996 to 2025
How large is the home-purchase motion?
1,760 home-purchase mortgage originations were recorded in Merrimack County in 2025, about 34 a week. Use the count to size referral and relationship time. It does not identify buyers or include cash purchases.
County grain · HMDA mortgage records, annual
Which ZIPs carry the premium-worthy book?
Median home value, household income, building age, and owner-versus-renter tenure, ZIP by ZIP. Aim umbrella and scheduled-property conversations where the housing stock supports the premium, and point the landlord program at the ZIPs where renters cluster.
ZCTA grain · Census ACS, five-year estimates
Where does the auto book actually live?
Drove-alone commuters, vehicles per household, and zero-vehicle households, by geography. The drove-alone workforce is the population most likely to hold a personal auto policy; zero-vehicle ZIPs are where that effort is wasted. Spend accordingly.
County + ZCTA grain · Census ACS commute module
How large is the commercial pool?
Merrimack County recorded 1,808 business applications in 2025. That sizes a prospecting motion; it does not identify a business, owner, policy need, or buying date.
County grain · Census Business Formation Statistics, annual
What is being built?
The fast-moving local series is building permits. June's 136 authorized units held 103 in three multifamily structures. That composition gives a contractor and landlord specialist a reason to review known relationships for builder's risk, liability, umbrella, and future habitational conversations.
County grain · Census permits, monthly · next file August 27, 2026
What is not in the box?
No private agency or carrier claims history. No carrier rate filings. No people, phone lists, or project identities. Every answer exposes the source, geography, period, and limitation so a producer can verify it before it reaches a client or carrier.
Every answer · source, period, provenance attached
The four-week activation
Week 0Map the agency's real counties, working user, AI assistant, carrier appetite, business mix, and one growth target.
Week 1Run five repeatable questions. Record baseline research time and the account or relationship each answer changes.
Week 2Repeat the permit, hazard, flood, purchase, and business-formation motions. Keep the useful refusals.
Week 4Review conversations, quotes started, and producer reuse. Continue only when the evidence changes work.
Optional add-on: Mica Social
Turn the same signal into the post.
Mica Social turns the same local intelligence into insurance-specific Facebook and Instagram posts, then writes, checks, and publishes them for your agency.