PMI Group, the company that insures mortgages, foresees two further years of home price decline in the Tampa Bay area. The region was rated the sixth riskiest for home devaluation among the nation's 50 largest metro areas and 16th riskiest on a larger list of 381 metro areas. Florida owned 15 of the top 20 spots. To reach its conclusions, PMI hashed over foreclosure, unemployment, and other data from the fourth quarter of 2008. As of the end of 2008, PMI rated our chances of price declines two years into the future at 99.7 percent. PMI's forecast allows for price fluctuations. Theoretically, prices could drop the next year, rise modestly a year after that, yet still be down cumulatively through the end of 2010.