v1.1 | November 11, 2026
Consolidated duplicate methodology; tightened the lead and FAQs; clarified the 86% population and unmatched-contract adjustment; added primary NFIP Dwelling Form citations and explicit replacement-value assumption; kept all six dollar outcomes and headline statistics unchanged. Switched the web charts to existing responsive HTML comparison charts with accessible tables/export controls. Repaired the reproduction filename and validated complete extracted inputs and outputs. Distinguished source release, publication, revision and research-check dates. No human approval or credentials invented.

v1.0 | November 11, 2026
Initial publication. The v1.0 kit script ran but its docstring incorrectly instructed python calculate.py although the packaged entry point was reproduce.py. That instruction is corrected in v1.1.
