the aggregate effect of a category 1 hurricane on credit score was a reduction of 16.2 percent. For a tract with an especially high rate of unpaid bills (arbitrarily set a 5 percent), the effect is strikingly larger in magnitude at -81.2 points. The median (3.09 percent) yields an average reduction in credit score of 46.4 points. Thus, half of tracts affected by category 1 hurricanes saw an average reduction in credit score of more than 46.4 points. This result would drop an average credit score of 700 to just over 650