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houses on their own lot, damaged or not, in the damage counties of the three storms whose rolls record deleted value and reach t+4; every bin holds at least 50 houses. The index orders houses within a storm and does not explain the gap between storms; an association, not an estimated structural threshold.","slope":"Points per log unit: the index slope of a linear probability model on the damaged houses only, with county-storm fixed effects, controls for construction before 1994, log pre-storm just value and homestead exemption, and tract-clustered errors (Table S6).","owner":"Severe losses of site-built houses on their own lot, by owner on the pre-storm roll: resident (homestead exemption), Florida non-resident (no homestead, Florida mailing address), out-of-state (mailing address outside Florida). Where an owner group holds fewer than 50 houses in a bin, neighboring bins are merged and the point sits at the center of the span. Vertical bars: 95% Wilson intervals of the shares cleared and replaced.","models":"Linear probability models on the severe losses of the storms from 2016 on, county-storm fixed effects, tract-clustered errors; percentage points. Owner rows are read at the mean index against Florida non-resident owners, the reference group; Irma enters the pooled fit only (Table 2).","gap":"The assessment gap is the Save Our Homes gap, 1 minus the assessed over the just value of the homestead on the pre-storm roll; it grows with tenure and with the accrued gain.","terciles":"Resident owners of severe losses by tercile of the gap, shortest to longest tenure. Irma has 40 owners per tercile and is not drawn.","mediation":"Product of coefficients among resident owners of severe losses, with the 95% interval of the tract-cluster bootstrap. A moderated mediation and an association, not a causal effect of the cap."}}