This rate does not provide the actual level of foreclosures in an area, but rather predicts what the foreclosure risk might be going forward. A rate closer to 100 indicates that HUD's analysis suggests a very high predicted risk, and a rate closer to 0 suggests a very low predicted risk. These data were released by HUD through their website to help grantees apply for the Neighborhood Stabilization Program in keeping with the stipulations laid out in the Housing and Economic Recovery Act of 2008. Grey shading in the map indicates that either the data released by HUD did not include these areas or that HUD gave these locations more than one rate.