There are two ways to get to a flag weight of 95 with a single post flag:

1. +10 Valid post flag
   -5*3 Invalid comment flags

2. -10 Invalid post flag
   +5 Valid comment flag

(Plus possibly any number of valid and invalid comment flags balancing each other out.)

You haven't said how much you're flagging comments, so either could be the case.

Comment flags are a little tougher for moderators; if you flag a comment and a moderator edits out the offensive portion but does not delete, your flag is still marked invalid. Sorry, and I hope it doesn't keep you from flagging, but there's no way to mark a comment flag valid except deleting the comment. Fortunately it's only a 5-point hit when it happens.

Above all, please remember that flag weight is not a measure of your worth as a human being. That is all.

There are two ways to get to a flag weight of 95 with a single post flag:

1. +10 Valid post flag
   -5*3 Invalid comment flags

2. -10 Invalid post flag
   +5 Valid comment flag

(Plus possibly any number of valid and invalid comment flags balancing each other out.)

You haven't said how much you're flagging comments, so either could be the case.

Comment flags are a little tougher for moderators; if you flag a comment and a moderator edits out the offensive portion but does not delete, your flag is still marked invalid. Sorry, and I hope it doesn't keep you from flagging, but there's no way to mark a comment flag valid except deleting the comment. Fortunately it's only a 5-point hit when it happens.

Above all, please remember that flag weight is not a measure of your worth as a human being. That is all.

EDIT: This answer was correct at the time it was written. As of July 2011, comment flags no longer affect flag weight.