MoneyGeek Analysis:

Cities With the Most (& Least) Climate Risk Today

Updated: December 20, 2022

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Depending on where you live, your home may be more vulnerable to the negative effects of climate risks. If you live in a city with a significantly higher risk of hazards like hurricanes, droughts and earthquakes than others, you could be more likely to experience catastrophic damage to your home. Understanding your risk is a crucial part of determining your home insurance needs, so you’re covered if the unthinkable happens.

MoneyGeek analyzed Federal Emergency Management Agency (FEMA) data for 377 metropolitan areas to find the cities in the U.S. with the most (and least) climate risk. These insights can help homeowners better understand their hazard, flood and earthquake insurance needs and secure the coverage necessary to protect their homes.

Key Findings:
  • Mississippi’s greater Gulfport area has the highest expected per capita risk, with an annual expected loss of $1,038 per person; it also has the third-highest annual expected losses ($385 million).
  • Of the metros with the most per capita risk, Texas’s Houston metro area has the largest annualized climate risk in the U.S. ($2.2 billion), followed by Louisiana’s greater New Orleans area ($477 million).
  • Connecticut's greater New Haven area has the lowest per capita risk of any large metropolitan area at $13 per person. The Laredo, Texas area has the lowest per-capita climate risk overall at $9.55 per person.
  • Tornadoes are the top climate risk in 304 metropolitan areas, making them the climate hazard impacting the most metros; of these, the Dallas-Fort Worth area has the most risk overall.

15 Cities With the Most & Least Climate Risk Per Person

Best & Worst US Cities for Climate Risk

When shopping for insurance, homeowners need to understand how local climate risks affect their coverage needs and premiums. This awareness can also help them prepare for weather emergencies and create a recovery plan before disaster strikes.

MoneyGeek analyzed 377 metropolitan areas included in FEMA’s most recent National Risk Index data set to determine the best and worst cities for climate change and evaluate the greatest potential hazards, per capita losses and annual expected losses in each metro area.

Cities With the Highest Climate Risk

As hurricanes become stronger every season, Mississippi’s greater Gulfport area leads MoneyGeek’s list of the worst cities for natural disasters with an expected per capita cost of $1,038 per person. The following two spots on the list belong to California’s Napa and Yuba areas, where homeowners face significant annual losses due to droughts.


  • 1. Greater Gulfport Area
    Mississippi
    Greater Gulfport Area
    • $1,037.77Expected Loss per Capita
    • $384.71Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 2. Napa Area
    California
    Napa Area
    • $864.24Expected Loss per Capita
    • $117.96Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 3. Yuba City Area
    California
    Yuba City Area
    • $736.93Expected Loss per Capita
    • $122.99Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 4. Greater Santa Maria Area
    California
    Greater Santa Maria Area
    • $704.43Expected Loss per Capita
    • $298.61Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 5. Greater Beaumont Area
    Texas
    Greater Beaumont Area
    • $460.98Expected Loss per Capita
    • $185.86Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 6. Hilo Area
    Hawaii
    Hilo Area
    • $460.05Expected Loss per Capita
    • $85.15Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 7. Chico Area
    California
    Chico Area
    • $455.63Expected Loss per Capita
    • $100.24Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 8. Greater Santa Rosa Area
    California
    Greater Santa Rosa Area
    • $403.87Expected Loss per Capita
    • $195.42Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 9. Greater New Orleans Area
    Lousiana
    Greater New Orleans Area
    • $401.13Expected Loss per Capita
    • $477.29Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 10. Greater Sebastian Area
    Florida
    Greater Sebastian Area
    • $376.12Expected Loss per Capita
    • $51.92Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 11. Houston Metro Area
    Texas
    Houston Metro Area
    • $375.56Expected Loss per Capita
    • $2,223.46Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 12. St. George Area
    Utah
    St. George Area
    • $353.52Expected Loss per Capita
    • $48.83Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 13. Wilmington Area
    North Carolina
    Wilmington Area
    • $333.98Expected Loss per Capita
    • $85.13Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 14. Port St. Lucie Area
    Florida
    Port St. Lucie Area
    • $326.63Expected Loss per Capita
    • $138.52Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 15. Iowa City Area
    Iowa
    Iowa City Area
    • $305.31Expected Loss per Capita
    • $46.59Annual Expected Losses (Millions)
    • TornadoGreatest Potential Hazard

Cities With the Lowest Climate Risk

According to FEMA data, the Laredo, Texas area offers its residents the least climate risk. The greater New Haven area and the greater Providence metro area are the next two best places for climate change — both with low annual expected climate-related costs of less than $15 per person.


  • 1. Laredo Area
    Texas
    Laredo Area
    • $9.55Expected Loss per Capita
    • $2.39Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 2. Greater New Haven Area
    Connecticut
    Greater New Haven Area
    • $12.63Expected Loss per Capita
    • $10.89Annual Expected Losses (Millions)
    • TornadoGreatest Potential Hazard
  • 3. Greater Providence Area
    Rhode Island
    Greater Providence Area
    • $13.08Expected Loss per Capita
    • $20.94Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 4. Coeur d'Alene Area
    Idaho
    Coeur d'Alene Area
    • $13.97Expected Loss per Capita
    • $1.93Annual Expected Losses (Millions)
    • Cold WaveGreatest Potential Hazard
  • 5. Greater Bridgeport Area
    Connecticut
    Greater Bridgeport Area
    • $14.01Expected Loss per Capita
    • $12.85Annual Expected Losses (Millions)
    • Strong WindGreatest Potential Hazard
  • 6. Greater York Area
    Pennsylvania
    Greater York Area
    • $14.25Expected Loss per Capita
    • $6.20Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 7. Worcester Area
    Massachusetts
    Worcester Area
    • $15.11Expected Loss per Capita
    • $13.86Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 8. Greater Buffalo Area
    New York
    Greater Buffalo Area
    • $15.43Expected Loss per Capita
    • $17.52Annual Expected Losses (Millions)
    • TornadoGreatest Potential Hazard
  • 9. Lancaster Area
    Pennsylvania
    Lancaster Area
    • $17.71Expected Loss per Capita
    • $9.20Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 10. Greater South Bend Area
    Indiana
    Greater South Bend Area
    • $18.18Expected Loss per Capita
    • $5.80Annual Expected Losses (Millions)
    • Strong WindGreatest Potential Hazard
  • 11. Springfield Area
    Massachusetts
    Springfield Area
    • $18.42Expected Loss per Capita
    • $11.45Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 12. Barnstable Town Area
    Massachusetts
    Barnstable Town Area
    • $18.48Expected Loss per Capita
    • $3.99Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 13. Greater Hartford Area
    Connecticut
    Greater Hartford Area
    • $18.67Expected Loss per Capita
    • $22.63Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 14. Erie Area
    Pennsylvania
    Erie Area
    • $18.91Expected Loss per Capita
    • $5.31Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 15. Pittsburgh Area
    Pennsylvania
    Pittsburgh Area
    • $19.25Expected Loss per Capita
    • $45.35Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard

Risk by Type of Hazard

The most significant climate hazards across U.S. cities are earthquakes, tornadoes and riverine flooding. When it comes to earthquakes, the Los Angeles metro area suffers the greatest risk overall. The Dallas-Fort Worth area is at the highest overall risk of tornadoes, and the Houston metro area is the riskiest place for riverine flooding.

The following definitions are key to understanding the risks that each type of weather emergency represents:

  • Metro With Greatest Risk Overall: These are the cities with the largest total expected losses due to each type of hazard.
  • Metro With Greatest Risk Per Capita: Based on population size and greatest potential hazards, these are the cities with the largest risk per person.
  • # of Metros’ Greatest Risk: The number of cities where this hazard poses the most climate risk.
  • & of National Risk: Each hazard’s expected national losses as a percentage of total expected losses.
Metro Area Climate Risk by Hazard
Hazard
Metro With Greatest Risk Overall
Metro With Greatest Risk Per Capita
# of Metros' Greatest Risk
% of National Risk

Earthquake

Los Angeles-Long Beach-Anaheim, CA

Anchorage, AK

91

23.9%

Tornado

Dallas-Fort Worth-Arlington, TX

Sioux Falls, SD

304

15.3%

Riverine Flooding

Houston-The Woodlands-Sugar Land, TX

St George, UT

185

14.4%

Hurricane

Houston-The Woodlands-Sugar Land, TX

Gulfport-Biloxi, MS

104

14.5%

Drought

Santa Maria-Santa Barbara, CA

Yuba City, CA

102

7.5%

Wildfire

Riverside-San Bernardino-Ontario, CA

Flagstaff, AZ

51

4.8%

Strong Wind

New York-Newark-Jersey City, NY-NJ-PA

Iowa City, IA

23

3.5%

Hail

Dallas-Fort Worth-Arlington, TX

Grand Island, NE

19

3.6%

Coastal Flooding

New York-Newark-Jersey City, NY-NJ-PA

Ocean City, NJ

14

4.0%

Heat Wave

St. Louis, MO-IL

Tulsa, OK

9

2.7%

Lightning

Miami-Fort Lauderdale-Pompano Beach, FL

Crestview-Fort Walton Beach-Destin, FL

0

1.5%

Ice Storm

New York-Newark-Jersey City, NY-NJ-PA

Lincoln, NE

2

1.3%

Cold Wave

Chicago-Naperville-Elgin, IL-IN-WI

Sioux Falls, SD

19

1.0%

Winter Weather

Kansas City, MO-KS

Bismarck, ND

1

0.8%

Landslide

Boise City, ID

Corvallis, OR

3

0.5%

Volcanic Activity

Seattle-Tacoma-Bellevue, WA

Longview, WA

0

0.4%

Avalanche

Seattle-Tacoma-Bellevue, WA

Anchorage, AK

6

0.1%

Tsunami

Urban Honolulu, HI

Urban Honolulu, HI

0

0.0%

How Homeowners Can Prepare for Climate Risk

Understanding local climate risks can help homeowners budget for the cost of home insurance coverage. These will vary greatly depending on your city’s vulnerability to weather conditions, as well as the age and durability of your home.

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PREPARING FOR CLIMATE RISK

Severe weather can strike at any time. No matter where you live, FEMA urges homeowners to take the following steps as part of their weather preparedness plan:

  • Become familiar with the risks that are most likely to affect your city.
  • Create and practice your family’s emergency plan.
  • Maintain proper inventory of your assets.
  • Keep an emergency kit handy.
  • Take steps to weatherproof your property.
  • Make sure you’re signed up for local weather alerts.
  • Set up an emergency fund.
  • Get adequate, affordable home insurance or renter’s insurance coverage.

If you live in one of the worst cities for climate change, you may find it challenging to get affordable coverage through the voluntary insurance market. The Fair Access to Insurance Requirements (FAIR) Plan makes it possible to purchase coverage through your state administrators. The cost of these plans is often higher than private insurance, but they provide coverage when no other options are available.

Expert Insights

Climate change poses a significant risk to cities and homeowners across the country — whether it's through flooding, wildfires, extreme heat or severe cold. MoneyGeek interviewed climate risk experts to reveal how extreme weather is increasing in America and what homeowners can do to protect their homes.

  1. As weather events become more intense, how is the climate crisis affecting urban communities?
  2. Should home buyers take emerging climate risks into consideration when choosing a place to live?
  3. Which urban activities have the greatest impact on climate change?
  4. What are some strategies for cities to adapt to climate change?
  5. What practices can best help homeowners reduce their carbon footprint?
  6. What are some preventive steps that low-risk cities can take to avoid future weather-related problems?
Jason West
Jason WestProfessor and Director of Graduate Studies for UNC's Department of Environmental Sciences and Engineering
Susanna Pho
Susanna PhoCo-Founder & COO of Forerunner
Annie Preston
Annie PrestonHead of Data Communication at ClimateCheck
Jase E. Bernhardt
Jase E. BernhardtAssistant Professor of Geology, Environment & Sustainability at Hofstra University
Caleb Inman
Caleb InmanLecturer in Real Estate Development & Design, UC Berkeley

Full Data Set

This complete data set provides a general overview of MoneyGeek’s analysis and each metro area’s ranking. It’s a comprehensive outlook of how natural disasters vary from one place to another while offering an overall breakdown of climate risk in the U.S.

The table below uses the following terminology to evaluate climate risk across the country:

  • Metro: The full name of each metropolitan area as defined by FEMA.
  • Expected Loss per Capita: Total expected losses per person based on population size and greatest potential hazards.
  • Annual Expected Losses: A forecast of how much natural disasters will cost each metro area yearly in millions.
  • Greatest Potential Hazard: The hazard with the largest expected loss for the metro area.
  • % Building Losses: The percentage of the Annual Expected Losses associated with building damage and losses.
  • % Life Lost: The percentage of the Annual Expected Losses associated with injury and loss of life using a value of statistical life of $7.4 million.
  • % Agricultural: The percentage of the Annual Expected Losses associated with loss of agricultural production.
Rank
Metro
State
Expected Loss per Capita
Annual Expected Losses (Millions)
Greatest Potential Hazard
% Building Losses
% Life Lost
% Agricultural

1

Gulfport-Biloxi, MS

Mississippi

$1,037.77

$385

Hurricane

90%

10%

0%

2

Napa, CA

California

$864.24

$118

Drought

27%

4%

69%

3

Yuba City, CA

California

$736.93

$123

Drought

10%

4%

86%

4

Santa Maria-Santa Barbara, CA

California

$704.43

$299

Drought

15%

3%

82%

5

Beaumont-Port Arthur, TX

Texas

$460.98

$186

Hurricane

87%

12%

1%

6

Hilo, HI

Hawaii

$460.05

$85

Earthquake

72%

28%

0%

7

Chico, CA

California

$455.63

$100

Drought

26%

5%

68%

8

Santa Rosa-Petaluma, CA

California

$403.87

$195

Earthquake

51%

9%

40%

9

New Orleans-Metairie, LA

Louisiana

$401.13

$477

Hurricane

80%

19%

0%

10

Sebastian-Vero Beach, FL

Florida

$376.12

$52

Hurricane

84%

11%

6%

11

Houston-The Woodlands-Sugar Land, TX

Texas

$375.56

$2,223

Hurricane

89%

11%

0%

12

St George, UT

Utah

$353.52

$49

Riverine Flooding

80%

20%

0%

13

Wilmington, NC

North Carolina

$333.98

$85

Hurricane

82%

13%

5%

14

Port St. Lucie, FL

Florida

$326.63

$139

Hurricane

85%

10%

5%

15

Iowa City, IA

Iowa

$305.31

$47

Tornado

64%

26%

10%

16

Santa Cruz-Watsonville, CA

California

$296.91

$78

Earthquake

83%

12%

5%

17

Lake Charles, LA

Louisiana

$291.98

$58

Riverine Flooding

58%

40%

2%

18

Eureka-Arcata-Fortuna, CA

California

$290.65

$39

Earthquake

78%

22%

0%

19

Meridian, MS

Mississippi

$280.66

$30

Hurricane

76%

22%

3%

20

Lafayette, LA

Louisiana

$279.23

$130

Riverine Flooding

71%

24%

6%

21

Hattiesburg, MS

Mississippi

$274.12

$39

Hurricane

79%

19%

2%

22

Sioux Falls, SD

South Dakota

$273.76

$62

Tornado

26%

66%

8%

23

Mobile, AL

Alabama

$270.47

$112

Hurricane

85%

14%

1%

24

Mount Vernon-Anacortes, WA

Washington

$269.57

$32

Coastal Flooding

30%

69%

0%

25

Longview, WA

Washington

$268.94

$28

Coastal Flooding

61%

39%

0%

26

New Bern, NC

North Carolina

$263.73

$33

Hurricane

54%

21%

25%

27

Vallejo, CA

California

$257.55

$106

Earthquake

43%

9%

48%

28

Jonesboro, AR

Arkansas

$251.84

$30

Earthquake

39%

50%

11%

29

Amarillo, TX

Texas

$250.20

$63

Drought

37%

33%

30%

30

Houma-Thibodaux, LA

Louisiana

$248.67

$52

Coastal Flooding

39%

59%

2%

31

Baton Rouge, LA

Louisiana

$247.62

$199

Riverine Flooding

69%

29%

2%

32

San Jose-Sunnyvale-Santa Clara, CA

California

$244.93

$450

Earthquake

81%

19%

1%

33

Madera, CA

California

$243.86

$37

Drought

46%

6%

48%

34

Goldsboro, NC

North Carolina

$243.81

$30

Hurricane

47%

17%

36%

35

Lubbock, TX

Texas

$242.80

$71

Drought

39%

28%

33%

36

San Francisco-Oakland-Berkeley, CA

California

$241.78

$1,048

Earthquake

79%

17%

3%

37

Anchorage, AK

Alaska

$240.25

$91

Earthquake

76%

24%

0%

38

Show Low, AZ

Arizona

$238.63

$26

Wildfire

51%

13%

36%

39

Rocky Mount, NC

North Carolina

$237.32

$36

Hurricane

57%

22%

20%

40

Sierra Vista-Douglas, AZ

Arizona

$230.46

$30

Drought

15%

11%

74%

41

Reno, NV

Nevada

$226.36

$96

Earthquake

86%

12%

2%

42

Memphis, TN-MS-AR

Arkansas

$222.04

$294

Riverine Flooding

68%

31%

1%

43

Panama City, FL

Florida

$220.52

$41

Hurricane

75%

25%

0%

44

Corpus Christi, TX

Texas

$219.71

$94

Hurricane

89%

8%

4%

45

Flagstaff, AZ

Arizona

$217.56

$29

Wildfire

74%

26%

0%

46

Cedar Rapids, IA

Iowa

$215.70

$56

Riverine Flooding

78%

12%

10%

47

El Centro, CA

California

$208.08

$36

Earthquake

66%

27%

7%

48

Hammond, LA

Louisiana

$207.97

$25

Riverine Flooding

72%

27%

1%

49

Redding, CA

California

$197.81

$35

Earthquake

67%

19%

14%

50

Charleston-North Charleston, SC

South Carolina

$197.19

$131

Earthquake

66%

33%

1%

51

Jackson, TN

Tennessee

$195.75

$25

Tornado

45%

54%

0%

52

Oxnard-Thousand Oaks-Ventura, CA

California

$195.23

$161

Earthquake

88%

11%

0%

53

Punta Gorda, FL

Florida

$194.90

$31

Hurricane

74%

24%

2%

54

Hanford-Corcoran, CA

California

$189.57

$29

Drought

19%

6%

76%

55

Merced, CA

California

$187.61

$48

Drought

23%

6%

71%

56

Riverside-San Bernardino-Ontario, CA

California

$179.36

$758

Earthquake

84%

16%

0%

57

Jackson, MS

Mississippi

$178.70

$101

Riverine Flooding

57%

39%

5%

58

Carbondale-Marion, IL

Illinois

$175.04

$22

Earthquake

53%

45%

2%

59

Atlantic City-Hammonton, NJ

New Jersey

$174.24

$48

Coastal Flooding

90%

9%

1%

60

Pine Bluff, AR

Arkansas

$173.24

$17

Riverine Flooding

24%

65%

10%

61

Roseburg, OR

Oregon

$169.68

$18

Earthquake

66%

34%

1%

62

Decatur, AL

Alabama

$166.71

$26

Tornado

27%

71%

3%

63

Cape Coral-Fort Myers, FL

Florida

$166.36

$103

Hurricane

80%

18%

1%

64

Lincoln, NE

Nebraska

$164.76

$50

Tornado

44%

48%

7%

65

Sioux City, IA-NE-SD

Iowa

$162.52

$27

Tornado

34%

44%

22%

66

Evansville, IN-KY

Indiana

$161.41

$50

Earthquake

59%

38%

3%

67

Seattle-Tacoma-Bellevue, WA

Washington

$156.04

$537

Earthquake

78%

22%

0%

68

Pensacola-Ferry Pass-Brent, FL

Florida

$154.82

$70

Hurricane

82%

16%

1%

69

St. Louis, MO-IL

Illinois

$154.45

$431

Heat Wave

44%

55%

2%

70

Sacramento-Roseville-Folsom, CA

California

$152.67

$328

Drought

28%

5%

67%

71

Waterloo-Cedar Falls, IA

Iowa

$149.66

$25

Riverine Flooding

30%

43%

26%

72

Dunn, NC

North Carolina

$149.37

$17

Hurricane

46%

20%

34%

73

Fargo, ND-MN

Minnesota

$148.19

$31

Riverine Flooding

73%

15%

12%

74

Owensboro, KY

Kentucky

$145.49

$17

Tornado

50%

42%

8%

75

Brunswick, GA

Georgia

$145.25

$16

Wildfire

73%

27%

0%

76

Oklahoma City, OK

Oklahoma

$143.79

$180

Tornado

67%

31%

2%

77

Olympia-Lacey-Tumwater, WA

Washington

$143.79

$36

Earthquake

78%

22%

0%

78

Joplin, MO

Missouri

$143.62

$25

Tornado

34%

54%

12%

79

Tulsa, OK

Oklahoma

$143.45

$134

Heat Wave

35%

61%

4%

80

Fort Collins, CO

Colorado

$142.66

$43

Riverine Flooding

74%

25%

1%

81

Omaha-Council Bluffs, NE-IA

Iowa

$142.36

$123

Tornado

55%

37%

8%

82

Bremerton-Silverdale-Port Orchard, WA

Washington

$142.32

$36

Earthquake

62%

38%

0%

83

Florence, SC

South Carolina

$142.23

$29

Hurricane

61%

30%

9%

84

Little Rock-North Little Rock-Conway, AR

Arkansas

$141.67

$99

Tornado

46%

51%

3%

85

Midland, TX

Texas

$140.42

$20

Tornado

51%

39%

10%

86

Longview, TX

Texas

$139.98

$30

Tornado

27%

69%

3%

87

Lawton, OK

Oklahoma

$139.81

$18

Hail

64%

30%

6%

88

Rapid City, SD

South Dakota

$139.42

$19

Wildfire

47%

49%

3%

89

Jefferson City, MO

Missouri

$138.92

$21

Tornado

35%

60%

6%

90

Los Angeles-Long Beach-Anaheim, CA

California

$138.17

$1,773

Earthquake

82%

18%

0%

91

Texarkana, TX-AR

Arkansas

$138.02

$21

Tornado

49%

35%

17%

92

Wichita Falls, TX

Texas

$137.82

$21

Drought

33%

29%

38%

93

San Luis Obispo-Paso Robles, CA

California

$137.82

$37

Earthquake

67%

7%

26%

94

Fort Smith, AR-OK

Arkansas

$136.73

$38

Tornado

23%

46%

31%

95

Salinas, CA

California

$135.32

$56

Earthquake

82%

17%

1%

96

Wichita, KS

Kansas

$134.60

$85

Tornado

49%

47%

4%

97

Deltona-Daytona Beach-Ormond Beach, FL

Florida

$134.54

$79

Hurricane

73%

26%

1%

98

Portland-Vancouver-Hillsboro, OR-WA

Oregon

$132.18

$294

Earthquake

67%

33%

0%

99

Bellingham, WA

Washington

$130.23

$26

Earthquake

47%

52%

0%

100

Bismarck, ND

North Dakota

$128.22

$15

Hail

44%

47%

9%

101

Anniston-Oxford, AL

Alabama

$128.14

$15

Tornado

31%

66%

2%

102

Albany, GA

Georgia

$126.90

$20

Hurricane

48%

27%

25%

103

Dothan, AL

Alabama

$126.27

$18

Tornado

29%

37%

34%

104

Gadsden, AL

Alabama

$125.61

$13

Tornado

39%

58%

3%

105

Peoria, IL

Illinois

$125.35

$48

Tornado

52%

36%

12%

106

Clarksville, TN-KY

Kentucky

$123.47

$32

Tornado

46%

49%

5%

107

Terre Haute, IN

Indiana

$123.44

$21

Riverine Flooding

41%

44%

15%

108

Springfield, IL

Illinois

$121.37

$26

Tornado

51%

36%

13%

109

Albany-Lebanon, OR

Oregon

$120.96

$14

Earthquake

62%

38%

0%

110

Lumberton, NC

North Carolina

$120.57

$16

Tornado

16%

41%

43%

111

Jacksonville, NC

North Carolina

$118.28

$21

Hurricane

41%

39%

19%

112

Chattanooga, TN-GA

Georgia

$116.76

$62

Tornado

44%

53%

2%

113

Salem, OR

Oregon

$116.32

$45

Earthquake

65%

35%

1%

114

Brownsville-Harlingen, TX

Texas

$115.43

$47

Hurricane

70%

27%

3%

115

Myrtle Beach-Conway-North Myrtle Beach, SC-NC

North Carolina

$115.31

$43

Hurricane

57%

36%

7%

116

Tallahassee, FL

Florida

$115.21

$42

Hurricane

65%

28%

7%

117

Champaign-Urbana, IL

Illinois

$113.83

$26

Tornado

46%

36%

18%

118

Springfield, MO

Missouri

$113.55

$50

Tornado

45%

51%

3%

119

Kahului-Wailuku-Lahaina, HI

Hawaii

$113.46

$18

Earthquake

82%

18%

0%

120

London, KY

Kentucky

$113.08

$14

Tornado

40%

59%

1%

121

Greenville, NC

North Carolina

$112.78

$19

Hurricane

31%

44%

25%

122

Louisville/Jefferson County, KY-IN

Indiana

$112.61

$139

Tornado

37%

61%

1%

123

Eugene-Springfield, OR

Oregon

$112.22

$39

Earthquake

65%

35%

0%

124

Decatur, IL

Illinois

$112.09

$12

Tornado

59%

34%

7%

125

St Joseph, MO-KS

Kansas

$112.08

$14

Tornado

26%

44%

30%

126

Palm Bay-Melbourne-Titusville, FL

Florida

$111.09

$60

Wildfire

72%

26%

2%

127

Tullahoma-Manchester, TN

Tennessee

$110.87

$11

Tornado

40%

51%

8%

128

Fayetteville-Springdale-Rogers, AR

Arkansas

$110.56

$51

Riverine Flooding

32%

46%

23%

129

St Cloud, MN

Minnesota

$109.31

$21

Drought

30%

28%

42%

130

Gainesville, FL

Florida

$108.02

$29

Hurricane

80%

20%

1%

131

Durham-Chapel Hill, NC

North Carolina

$107.62

$54

Hurricane

55%

29%

16%

132

Birmingham-Hoover, AL

Alabama

$106.94

$121

Tornado

68%

30%

1%

133

Bloomington, IL

Illinois

$104.18

$19

Tornado

55%

29%

16%

134

Abilene, TX

Texas

$103.95

$17

Hail

79%

16%

5%

135

Nashville-Davidson--Murfreesboro--Franklin, TN

Tennessee

$103.30

$173

Riverine Flooding

63%

36%

1%

136

Florence-Muscle Shoals, AL

Alabama

$103.05

$15

Tornado

37%

62%

1%

137

Prescott Valley-Prescott, AZ

Arizona

$102.75

$22

Wildfire

86%

14%

0%

138

San Diego-Chula Vista-Carlsbad, CA

California

$102.63

$318

Wildfire

93%

7%

0%

139

Bowling Green, KY

Kentucky

$102.58

$16

Tornado

35%

61%

4%

140

Hilton Head Island-Bluffton, SC

South Carolina

$102.34

$19

Earthquake

35%

64%

2%

141

Dalton, GA

Georgia

$102.31

$15

Tornado

39%

53%

8%

142

Boulder, CO

Colorado

$102.27

$30

Riverine Flooding

80%

19%

0%

143

Stockton, CA

California

$102.04

$70

Earthquake

50%

11%

39%

144

Des Moines-West Des Moines, IA

Iowa

$101.56

$58

Tornado

55%

29%

16%

145

Davenport-Moline-Rock Island, IA-IL

Illinois

$100.35

$38

Tornado

29%

52%

19%

146

Dallas-Fort Worth-Arlington, TX

Texas

$100.04

$643

Tornado

55%

45%

0%

147

Modesto, CA

California

$99.64

$51

Drought

38%

7%

55%

148

Ottawa-Peru, IL

Illinois

$98.55

$15

Tornado

49%

34%

17%

149

Rochester, MN

Minnesota

$98.23

$20

Riverine Flooding

48%

23%

29%

150

Salt Lake City, UT

Utah

$97.91

$107

Earthquake

72%

28%

0%

151

Austin-Round Rock-Georgetown, TX

Texas

$97.79

$168

Riverine Flooding

47%

52%

1%

152

Homosassa Springs, FL

Florida

$97.51

$14

Hurricane

63%

36%

0%

153

Denver-Aurora-Lakewood, CO

Colorado

$96.92

$247

Hail

85%

15%

0%

154

Idaho Falls, ID

Idaho

$95.32

$13

Cold Wave

21%

20%

59%

155

Hickory-Lenoir-Morganton, NC

North Carolina

$95.24

$35

Drought

38%

25%

37%

156

San Antonio-New Braunfels, TX

Texas

$94.71

$203

Riverine Flooding

36%

62%

2%

157

Binghamton, NY

New York

$94.60

$24

Riverine Flooding

74%

25%

1%

158

Columbia, MO

Missouri

$94.49

$15

Tornado

37%

61%

2%

159

Medford, OR

Oregon

$93.54

$19

Earthquake

72%

27%

1%

160

Logan, UT-ID

Idaho

$92.78

$12

Earthquake

51%

35%

14%

161

Huntsville, AL

Alabama

$92.42

$39

Tornado

47%

51%

2%

162

Cleveland, TN

Tennessee

$91.67

$11

Tornado

49%

46%

6%

163

Monroe, LA

Louisiana

$91.37

$16

Tornado

30%

68%

3%

164

Tupelo, MS

Mississippi

$90.52

$12

Tornado

38%

58%

4%

165

Greeley, CO

Colorado

$89.81

$23

Riverine Flooding

55%

38%

7%

166

Lafayette-West Lafayette, IN

Indiana

$88.56

$18

Hurricane

41%

46%

12%

167

Lexington-Fayette, KY

Kentucky

$87.07

$41

Tornado

44%

51%

6%

168

Wheeling, WV-OH

Ohio

$86.75

$13

Riverine Flooding

67%

32%

0%

169

Provo-Orem, UT

Utah

$86.71

$46

Earthquake

68%

31%

1%

170

Shreveport-Bossier City, LA

Louisiana

$86.49

$38

Riverine Flooding

27%

68%

5%

171

Wenatchee, WA

Washington

$86.46

$10

Wildfire

70%

24%

6%

172

Las Cruces, NM

New Mexico

$85.99

$18

Drought

16%

4%

80%

173

Tuscaloosa, AL

Alabama

$85.80

$20

Tornado

37%

53%

10%

174

Kansas City, MO-KS

Kansas

$85.01

$171

Tornado

30%

67%

3%

175

Columbia, SC

South Carolina

$85.01

$65

Tornado

51%

45%

4%

176

Sumter, SC

South Carolina

$84.35

$9

Hurricane

61%

31%

7%

177

Crestview-Fort Walton Beach-Destin, FL

Florida

$83.96

$20

Tornado

50%

46%

3%

178

Naples-Marco Island, FL

Florida

$83.37

$27

Hurricane

52%

37%

11%

179

Salisbury, MD-DE

Delaware

$83.37

$31

Coastal Flooding

62%

16%

22%

180

Yakima, WA

Washington

$82.51

$20

Earthquake

50%

24%

26%

181

San Angelo, TX

Texas

$81.71

$9

Wildfire

64%

14%

22%

182

Ogden-Clearfield, UT

Utah

$81.16

$48

Earthquake

67%

32%

1%

183

Burlington, NC

North Carolina

$79.86

$12

Hurricane

52%

34%

13%

184

Cookeville, TN

Tennessee

$79.50

$8

Tornado

53%

44%

3%

185

Sherman-Denison, TX

Texas

$79.20

$10

Tornado

49%

50%

1%

186

Lawrence, KS

Kansas

$77.93

$9

Tornado

46%

51%

3%

187

Topeka, KS

Kansas

$76.65

$18

Tornado

37%

54%

9%

188

Savannah, GA

Georgia

$76.52

$27

Wildfire

62%

35%

3%

189

Colorado Springs, CO

Colorado

$75.71

$49

Tornado

62%

38%

0%

190

Rockford, IL

Illinois

$75.19

$26

Tornado

54%

42%

4%

191

Santa Fe, NM

New Mexico

$74.53

$11

Wildfire

67%

18%

14%

192

College Station-Bryan, TX

Texas

$74.35

$17

Tornado

31%

60%

9%

193

Fayetteville, NC

North Carolina

$74.10

$27

Hurricane

58%

25%

17%

194

Charleston, WV

West Virginia

$73.99

$17

Riverine Flooding

65%

35%

0%

195

Killeen-Temple, TX

Texas

$73.65

$30

Tornado

34%

64%

1%

196

Bakersfield, CA

California

$72.22

$61

Earthquake

82%

12%

6%

197

Elizabethtown-Fort Knox, KY

Kentucky

$72.16

$11

Tornado

49%

48%

3%

198

Miami-Fort Lauderdale-Pompano Beach, FL

Florida

$71.24

$396

Hurricane

62%

23%

16%

199

La Crosse-Onalaska, WI-MN

Minnesota

$70.86

$9

Riverine Flooding

51%

37%

13%

200

Muncie, IN

Indiana

$69.55

$8

Tornado

59%

39%

2%

201

Augusta-Richmond County, GA-SC

Georgia

$68.85

$39

Tornado

32%

54%

14%

202

Williamsport, PA

Pennsylvania

$68.54

$8

Riverine Flooding

58%

40%

1%

203

Minneapolis-St Paul-Bloomington, MN-WI

Minnesota

$68.47

$229

Strong Wind

61%

36%

4%

204

Vineland-Bridgeton, NJ

New Jersey

$68.41

$11

Coastal Flooding

88%

8%

4%

205

Trenton-Princeton, NJ

New Jersey

$68.22

$25

Riverine Flooding

65%

33%

2%

206

Oshkosh-Neenah, WI

Wisconsin

$67.30

$11

Strong Wind

56%

41%

2%

207

Odessa, TX

Texas

$67.24

$9

Hail

69%

29%

3%

208

Knoxville, TN

Tennessee

$67.02

$56

Tornado

57%

41%

2%

209

Huntington-Ashland, WV-KY-OH

Kentucky

$66.76

$24

Riverine Flooding

59%

40%

1%

210

Fresno, CA

California

$66.55

$62

Earthquake

56%

13%

31%

211

Urban Honolulu, HI

Hawaii

$65.63

$63

Earthquake

88%

12%

0%

212

Missoula, MT

Montana

$65.12

$7

Earthquake

45%

54%

1%

213

Lakeland-Winter Haven, FL

Florida

$64.92

$39

Wildfire

51%

35%

14%

214

Daphne-Fairhope-Foley, AL

Alabama

$64.67

$12

Tornado

49%

44%

7%

215

Jacksonville, FL

Florida

$64.23

$86

Riverine Flooding

48%

52%

0%

216

Glens Falls, NY

New York

$64.08

$8

Hurricane

73%

25%

2%

217

Orlando-Kissimmee-Sanford, FL

Florida

$63.05

$135

Tornado

66%

30%

4%

218

Madison, WI

Wisconsin

$62.85

$38

Hail

57%

35%

8%

219

Pueblo, CO

Colorado

$62.47

$10

Hail

77%

19%

4%

220

Bloomington, IN

Indiana

$62.07

$10

Tornado

44%

52%

4%

221

Lake Havasu City-Kingman, AZ

Arizona

$61.61

$12

Riverine Flooding

47%

52%

1%

222

Cincinnati, OH-KY-IN

Indiana

$60.60

$128

Tornado

56%

42%

2%

223

Asheville, NC

North Carolina

$60.28

$26

Riverine Flooding

57%

39%

5%

224

Bay City, MI

Michigan

$59.78

$6

Strong Wind

62%

34%

4%

225

Waco, TX

Texas

$59.63

$15

Tornado

17%

81%

2%

226

Ocala, FL

Florida

$59.20

$20

Wildfire

64%

35%

1%

227

Beckley, WV

West Virginia

$58.36

$7

Riverine Flooding

60%

40%

0%

228

Alexandria, LA

Louisiana

$58.18

$9

Riverine Flooding

46%

36%

18%

229

Kankakee, IL

Illinois

$57.54

$7

Tornado

49%

45%

6%

230

Raleigh-Cary, NC

North Carolina

$57.39

$65

Hurricane

46%

37%

17%

231

Bluefield, WV-VA

Virginia

$56.95

$6

Riverine Flooding

59%

39%

2%

232

Michigan City-La Porte, IN

Indiana

$56.56

$6

Tornado

46%

49%

4%

233

Greensboro-High Point, NC

North Carolina

$56.28

$41

Drought

44%

25%

30%

234

Claremont-Lebanon, NH-VT

New Hampshire

$56.20

$12

Riverine Flooding

68%

29%

3%

235

Fond du Lac, WI

Wisconsin

$56.16

$6

Tornado

44%

40%

16%

236

Janesville-Beloit, WI

Wisconsin

$55.47

$9

Tornado

42%

48%

9%

237

Kingston, NY

New York

$54.89

$10

Tornado

41%

52%

7%

238

Weirton-Steubenville, WV-OH

Ohio

$54.47

$7

Riverine Flooding

58%

42%

0%

239

Gainesville, GA

Georgia

$54.43

$10

Tornado

44%

53%

3%

240

Charlotte-Concord-Gastonia, NC-SC

North Carolina

$54.22

$120

Tornado

41%

50%

9%

241

Indianapolis-Carmel-Anderson, IN

Indiana

$53.82

$102

Tornado

58%

37%

5%

242

Sheboygan, WI

Wisconsin

$53.04

$6

Tornado

64%

31%

5%

243

Augusta-Waterville, ME

Maine

$52.49

$6

Drought

32%

24%

44%

244

Bend, OR

Oregon

$52.48

$8

Earthquake

79%

20%

0%

245

Saginaw, MI

Michigan

$52.41

$10

Hurricane

61%

35%

4%

246

Athens-Clarke County, GA

Georgia

$51.36

$10

Tornado

46%

39%

15%

247

Scranton--Wilkes-Barre, PA

Pennsylvania

$51.02

$29

Riverine Flooding

77%

22%

0%

248

Atlanta-Sandy Springs-Alpharetta, GA

Georgia

$50.65

$268

Tornado

58%

39%

2%

249

Virginia Beach-Norfolk-Newport News, VA-NC

North Carolina

$50.12

$84

Hurricane

55%

36%

9%

250

Montgomery, AL

Alabama

$50.11

$19

Tornado

35%

54%

10%

251

Ithaca, NY

New York

$49.92

$5

Hurricane

63%

31%

6%

252

Winston-Salem, NC

North Carolina

$48.88

$31

Tornado

54%

33%

14%

253

Chicago-Naperville-Elgin, IL-IN-WI

Illinois

$48.76

$461

Tornado

50%

49%

1%

254

Staunton, VA

Virginia

$48.65

$6

Riverine Flooding

51%

39%

10%

255

East Stroudsburg, PA

Pennsylvania

$48.63

$8

Riverine Flooding

64%

36%

0%

256

North Port-Sarasota-Bradenton, FL

Florida

$48.40

$34

Tornado

40%

45%

15%

257

Boise City, ID

Idaho

$48.06

$30

Wildfire

52%

37%

10%

258

Mansfield, OH

Ohio

$48.01

$6

Riverine Flooding

80%

16%

4%

259

New York-Newark-Jersey City, NY-NJ-PA

New York

$47.72

$934

Coastal Flooding

74%

25%

1%

260

Detroit-Warren-Dearborn, MI

Michigan

$47.66

$205

Riverine Flooding

70%

30%

0%

261

Whitewater-Elkhorn, WI

Wisconsin

$46.44

$5

Tornado

46%

50%

4%

262

Morristown, TN

Tennessee

$46.15

$5

Tornado

42%

45%

13%

263

Johnson City, TN

Tennessee

$46.09

$9

Riverine Flooding

42%

47%

11%

264

Appleton, WI

Wisconsin

$45.74

$10

Tornado

51%

41%

7%

265

Altoona, PA

Pennsylvania

$45.58

$6

Hurricane

64%

33%

4%

266

Monroe, MI

Michigan

$45.49

$7

Tornado

66%

30%

4%

267

Winchester, VA-WV

Virginia

$45.33

$6

Riverine Flooding

48%

43%

9%

268

Tampa-St. Petersburg-Clearwater, FL

Florida

$45.25

$126

Tornado

38%

56%

6%

269

Fort Wayne, IN

Indiana

$45.11

$19

Tornado

47%

37%

16%

270

Cumberland, MD-WV

Maryland

$44.76

$5

Riverine Flooding

61%

37%

2%

271

Reading, PA

Pennsylvania

$44.69

$18

Drought

31%

35%

34%

272

Spartanburg, SC

South Carolina

$44.46

$14

Tornado

64%

35%

1%

273

Grand Rapids-Kentwood, MI

Michigan

$43.61

$43

Hurricane

62%

35%

3%

274

Roanoke, VA

Virginia

$43.50

$13

Hurricane

58%

38%

4%

275

Johnstown, PA

Pennsylvania

$43.47

$6

Hurricane

63%

36%

1%

276

Charlottesville, VA

Virginia

$43.36

$9

Tornado

35%

52%

13%

277

Flint, MI

Michigan

$43.04

$18

Hurricane

70%

30%

0%

278

Bangor, ME

Maine

$43.01

$7

Drought

40%

19%

41%

279

Columbus, OH

Ohio

$42.93

$82

Tornado

67%

31%

2%

280

Macon-Bibb County, GA

Georgia

$42.79

$10

Tornado

49%

42%

8%

281

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

New Jersey

$42.77

$255

Riverine Flooding

40%

45%

15%

282

Harrisonburg, VA

Virginia

$42.65

$5

Riverine Flooding

55%

36%

9%

283

Tucson, AZ

Arizona

$42.47

$42

Wildfire

69%

21%

10%

284

Lewiston-Auburn, ME

Maine

$42.17

$5

Drought

36%

16%

48%

285

Valdosta, GA

Georgia

$41.62

$6

Tornado

38%

54%

9%

286

Greenville-Anderson, SC

South Carolina

$41.25

$34

Tornado

52%

47%

2%

287

Warner Robins, GA

Georgia

$40.83

$7

Tornado

36%

41%

23%

288

State College, PA

Pennsylvania

$40.71

$6

Hurricane

81%

16%

3%

289

Harrisburg-Carlisle, PA

Pennsylvania

$40.25

$22

Riverine Flooding

56%

40%

4%

290

Yuma, AZ

Arizona

$39.33

$8

Earthquake

73%

27%

0%

291

Lansing-East Lansing, MI

Michigan

$39.18

$18

Tornado

67%

30%

3%

292

Morgantown, WV

West Virginia

$39.05

$5

Hurricane

64%

35%

1%

293

Dayton-Kettering, OH

Ohio

$38.93

$31

Tornado

65%

33%

2%

294

Elkhart-Goshen, IN

Indiana

$38.84

$8

Drought

17%

40%

43%

295

Danville, VA

Virginia

$38.61

$4

Riverine Flooding

55%

38%

6%

296

Las Vegas-Henderson-Paradise, NV

Nevada

$38.52

$75

Earthquake

64%

36%

0%

297

Rochester, NY

New York

$38.37

$41

Hurricane

60%

23%

17%

298

Traverse City, MI

Michigan

$38.15

$5

Hurricane

56%

43%

1%

299

Milwaukee-Waukesha, WI

Wisconsin

$37.89

$59

Tornado

62%

37%

1%

300

El Paso, TX

Texas

$37.89

$30

Riverine Flooding

78%

17%

4%

301

Gettysburg, PA

Pennsylvania

$37.83

$4

Riverine Flooding

32%

51%

17%

302

Eau Claire, WI

Wisconsin

$37.29

$6

Tornado

38%

57%

5%

303

Utica-Rome, NY

New York

$37.08

$11

Riverine Flooding

59%

40%

1%

304

Burlington-South Burlington, VT

Vermont

$36.93

$8

Hurricane

80%

16%

5%

305

Billings, MT

Montana

$36.84

$6

Drought

35%

30%

35%

306

Albuquerque, NM

New Mexico

$36.81

$33

Earthquake

44%

39%

16%

307

Springfield, OH

Ohio

$36.81

$5

Tornado

69%

29%

2%

308

Toledo, OH

Ohio

$35.42

$22

Tornado

60%

38%

2%

309

Richmond, VA

Virginia

$35.28

$43

Tornado

40%

37%

23%

310

Battle Creek, MI

Michigan

$35.19

$5

Strong Wind

58%

39%

3%

311

Kennewick-Richland, WA

Washington

$34.96

$9

Earthquake

49%

29%

22%

312

Visalia, CA

California

$34.83

$15

Earthquake

81%

19%

0%

313

Allentown-Bethlehem-Easton, PA-NJ

New Jersey

$34.76

$29

Riverine Flooding

56%

37%

7%

314

California-Lexington Park, MD

Maryland

$34.70

$4

Tornado

48%

48%

5%

315

Green Bay, WI

Wisconsin

$34.45

$11

Tornado

41%

48%

11%

316

Jamestown-Dunkirk-Fredonia, NY

New York

$34.27

$5

Riverine Flooding

53%

39%

8%

317

Canton-Massillon, OH

Ohio

$34.25

$14

Riverine Flooding

75%

24%

1%

318

Torrington, CT

Connecticut

$33.67

$6

Drought

30%

35%

36%

319

Lima, OH

Ohio

$33.56

$4

Tornado

75%

21%

4%

320

Syracuse, NY

New York

$33.46

$22

Tornado

62%

36%

2%

321

Hagerstown-Martinsburg, MD-WV

Maryland

$33.26

$8

Riverine Flooding

47%

44%

8%

322

Lebanon, PA

Pennsylvania

$33.00

$4

Tornado

24%

48%

27%

323

Wooster, OH

Ohio

$33.00

$4

Tornado

75%

22%

3%

324

Ann Arbor, MI

Michigan

$32.65

$11

Tornado

68%

31%

0%

325

Dover, DE

Delaware

$32.56

$5

Tornado

36%

47%

17%

326

Kingsport-Bristol, TN-VA

Tennessee

$32.37

$10

Tornado

34%

50%

16%

327

Albany-Schenectady-Troy, NY

New York

$32.22

$28

Tornado

42%

56%

2%

328

Phoenix-Mesa-Chandler, AZ

Arizona

$32.11

$135

Drought

52%

9%

40%

329

Jackson, MI

Michigan

$32.10

$5

Tornado

72%

26%

2%

330

Baltimore-Columbia-Towson, MD

Maryland

$31.91

$86

Tornado

47%

42%

10%

331

Racine, WI

Wisconsin

$31.35

$6

Strong Wind

43%

52%

5%

332

Portland-South Portland, ME

Maine

$31.12

$16

Riverine Flooding

70%

23%

7%

333

Blacksburg-Christiansburg, VA

Virginia

$30.60

$5

Riverine Flooding

39%

51%

11%

334

Akron, OH

Ohio

$30.39

$21

Riverine Flooding

82%

18%

0%

335

McAllen-Edinburg-Mission, TX

Texas

$28.71

$22

Hurricane

72%

16%

12%

336

Farmington, NM

New Mexico

$28.23

$4

Drought

17%

21%

62%

337

Salem, OH

Ohio

$28.21

$3

Riverine Flooding

43%

53%

4%

338

Kalamazoo-Portage, MI

Michigan

$27.91

$9

Hail

70%

25%

4%

339

Concord, NH

New Hampshire

$27.71

$4

Riverine Flooding

51%

41%

8%

340

Duluth, MN-WI

Minnesota

$27.67

$8

Riverine Flooding

41%

53%

6%

341

Lynchburg, VA

Virginia

$27.51

$7

Riverine Flooding

42%

48%

10%

342

Youngstown-Warren-Boardman, OH-PA

Ohio

$27.24

$15

Riverine Flooding

56%

42%

2%

343

Ogdensburg-Massena, NY

New York

$27.06

$3

Earthquake

76%

21%

3%

344

Columbus, GA-AL

Alabama

$26.57

$8

Tornado

36%

51%

12%

345

Manchester-Nashua, NH

New Hampshire

$25.60

$10

Earthquake

58%

36%

5%

346

Cleveland-Elyria, OH

Ohio

$25.27

$52

Tornado

64%

35%

1%

347

Niles, MI

Michigan

$25.09

$4

Strong Wind

35%

61%

4%

348

Watertown-Fort Drum, NY

New York

$25.06

$3

Hurricane

62%

28%

10%

349

Wausau, WI

Wisconsin

$24.95

$3

Tornado

35%

46%

19%

350

Tyler, TX

Texas

$24.93

$5

Hurricane

53%

37%

9%

351

Grand Junction, CO

Colorado

$24.23

$4

Riverine Flooding

41%

43%

16%

352

Chambersburg-Waynesboro, PA

Pennsylvania

$24.16

$4

Riverine Flooding

28%

61%

11%

353

Holland, MI

Michigan

$23.05

$3

Riverine Flooding

51%

35%

14%

354

Auburn-Opelika, AL

Alabama

$23.04

$3

Tornado

33%

67%

0%

355

Washington-Arlington-Alexandria, DC-VA-MD-WV

Maryland

$23.02

$130

Tornado

47%

50%

3%

356

Muskegon, MI

Michigan

$22.56

$4

Strong Wind

56%

42%

2%

357

Boston-Cambridge-Newton, MA-NH

Massachusetts

$21.99

$100

Riverine Flooding

48%

43%

9%

358

Pottsville, PA

Pennsylvania

$21.33

$3

Tornado

27%

64%

9%

359

Norwich-New London, CT

Connecticut

$21.32

$6

Riverine Flooding

35%

49%

15%

360

Ashtabula, OH

Ohio

$21.10

$2

Riverine Flooding

69%

28%

4%

361

Spokane-Spokane Valley, WA

Washington

$20.92

$11

Earthquake

48%

50%

2%

362

Pittsfield, MA

Massachusetts

$20.61

$3

Riverine Flooding

38%

59%

3%

363

Pittsburgh, PA

Pennsylvania

$19.25

$45

Riverine Flooding

49%

50%

1%

364

Erie, PA

Pennsylvania

$18.91

$5

Riverine Flooding

61%

36%

3%

365

Hartford-East Hartford-Middletown, CT

Connecticut

$18.67

$23

Drought

46%

25%

30%

366

Barnstable Town, MA

Massachusetts

$18.48

$4

Hurricane

38%

59%

3%

367

Springfield, MA

Massachusetts

$18.42

$11

Drought

42%

30%

28%

368

South Bend-Mishawaka, IN-MI

Indiana

$18.18

$6

Strong Wind

33%

61%

6%

369

Lancaster, PA

Pennsylvania

$17.71

$9

Riverine Flooding

37%

45%

18%

370

Buffalo-Cheektowaga, NY

New York

$15.43

$18

Tornado

35%

61%

4%

371

Worcester, MA-CT

Connecticut

$15.11

$14

Riverine Flooding

47%

36%

16%

372

York-Hanover, PA

Pennsylvania

$14.25

$6

Riverine Flooding

32%

54%

15%

373

Bridgeport-Stamford-Norwalk, CT

Connecticut

$14.01

$13

Strong Wind

55%

42%

3%

374

Coeur d'Alene, ID

Idaho

$13.97

$2

Cold Wave

40%

58%

2%

375

Providence-Warwick, RI-MA

Massachusetts

$13.08

$21

Riverine Flooding

70%

26%

4%

376

New Haven-Milford, CT

Connecticut

$12.63

$11

Tornado

45%

33%

22%

377

Laredo, TX

Texas

$9.55

$2

Riverine Flooding

55%

40%

5%

Methodology

MoneyGeek utilized FEMA’s National Risk Index datasets to calculate and compare the annual expected losses for each metro area. MoneyGeek calculated per capita risk using the population as of 2016.

About Lucia Caldera

Lucia Caldera headshot

Lucia Caldera, the founder of Corporate Media Lab, has 10 years of experience in financial planning, management and advising. She writes finance content for MoneyGeek, using her personal finance background to help readers achieve financial wellness.

Lucia holds a master’s degree in international political economy and development from Fordham University and a bachelor’s degree in economics from Clark University. Her work reflects her passion for using financial education to reduce the wealth gap for women and minorities.

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