; (ii) an area with a concentration of people that— (I) are low-income; (II) have high unemployment; (III) have a high rent burden; (IV) have a low level of home ownership; (V) have a low level of educational attainment; (VI) are members of groups that have historically experienced discrimination on the basis of race or ethnicity; (VII) lack access to safe, reliable transit; (VIII) lack access to quality, affordable healthcare; (IX) live in a high Medicaid population; and (X) do not live in reasonable proximity to healthy food outlets; and (iii) an area that is vulnerable to the impact of climate change such as flooding, storm surges, and urban heat island effects. (5) Low-income community The term low-income community means a census or tribal block group in which not less than 50 percent of households have an annual income that is less than 80 percent of the greater of— (A) as determined by the Secretary of Housing and Urban Development, the annual median gross income for the area in which the census or tribal block group is located; and (B) as determined by the Secretary of Housing and Urban Development, the annual median gross income for the State in which the census or tribal block group is located. (6) State The term State means— (A) a State; (B) the District of Columbia; (C) the Commonwealth of Puerto Rico; (D) any other territory or possession of the United States