Cities With the Most (& Least) Climate Risk Today
By
, EconomistDepending 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

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 AreaMississippi
- $1,037.77Expected Loss per Capita
- $384.71Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
- 2. Napa AreaCalifornia
- $864.24Expected Loss per Capita
- $117.96Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
- 3. Yuba City AreaCalifornia
- $736.93Expected Loss per Capita
- $122.99Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
- 4. Greater Santa Maria AreaCalifornia
- $704.43Expected Loss per Capita
- $298.61Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
- 5. Greater Beaumont AreaTexas
- $460.98Expected Loss per Capita
- $185.86Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
- 6. Hilo AreaHawaii
- $460.05Expected Loss per Capita
- $85.15Annual Expected Losses (Millions)
- EarthquakeGreatest Potential Hazard
- 7. Chico AreaCalifornia
- $455.63Expected Loss per Capita
- $100.24Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
- 8. Greater Santa Rosa AreaCalifornia
- $403.87Expected Loss per Capita
- $195.42Annual Expected Losses (Millions)
- EarthquakeGreatest Potential Hazard
- 9. Greater New Orleans AreaLousiana
- $401.13Expected Loss per Capita
- $477.29Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
- 10. Greater Sebastian AreaFlorida
- $376.12Expected Loss per Capita
- $51.92Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
- 11. Houston Metro AreaTexas
- $375.56Expected Loss per Capita
- $2,223.46Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
- 12. St. George AreaUtah
- $353.52Expected Loss per Capita
- $48.83Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
- 13. Wilmington AreaNorth Carolina
- $333.98Expected Loss per Capita
- $85.13Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
- 14. Port St. Lucie AreaFlorida
- $326.63Expected Loss per Capita
- $138.52Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
- 15. Iowa City AreaIowa
- $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 AreaTexas
- $9.55Expected Loss per Capita
- $2.39Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
- 2. Greater New Haven AreaConnecticut
- $12.63Expected Loss per Capita
- $10.89Annual Expected Losses (Millions)
- TornadoGreatest Potential Hazard
- 3. Greater Providence AreaRhode Island
- $13.08Expected Loss per Capita
- $20.94Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
- 4. Coeur d'Alene AreaIdaho
- $13.97Expected Loss per Capita
- $1.93Annual Expected Losses (Millions)
- Cold WaveGreatest Potential Hazard
- 5. Greater Bridgeport AreaConnecticut
- $14.01Expected Loss per Capita
- $12.85Annual Expected Losses (Millions)
- Strong WindGreatest Potential Hazard
- 6. Greater York AreaPennsylvania
- $14.25Expected Loss per Capita
- $6.20Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
- 7. Worcester AreaMassachusetts
- $15.11Expected Loss per Capita
- $13.86Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
- 8. Greater Buffalo AreaNew York
- $15.43Expected Loss per Capita
- $17.52Annual Expected Losses (Millions)
- TornadoGreatest Potential Hazard
- 9. Lancaster AreaPennsylvania
- $17.71Expected Loss per Capita
- $9.20Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
- 10. Greater South Bend AreaIndiana
- $18.18Expected Loss per Capita
- $5.80Annual Expected Losses (Millions)
- Strong WindGreatest Potential Hazard
- 11. Springfield AreaMassachusetts
- $18.42Expected Loss per Capita
- $11.45Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
- 12. Barnstable Town AreaMassachusetts
- $18.48Expected Loss per Capita
- $3.99Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
- 13. Greater Hartford AreaConnecticut
- $18.67Expected Loss per Capita
- $22.63Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
- 14. Erie AreaPennsylvania
- $18.91Expected Loss per Capita
- $5.31Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
- 15. Pittsburgh AreaPennsylvania
- $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.
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.
- As weather events become more intense, how is the climate crisis affecting urban communities?
- Should home buyers take emerging climate risks into consideration when choosing a place to live?
- Which urban activities have the greatest impact on climate change?
- What are some strategies for cities to adapt to climate change?
- What practices can best help homeowners reduce their carbon footprint?
- What are some preventive steps that low-risk cities can take to avoid future weather-related problems?
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

sources
- FEMA. "National Risk Index." Accessed October 31, 2021.
- Insurance Information Institute. "What if I can't get coverage?." Accessed April 1, 2022.
- Ready. "Severe Weather." Accessed April 1, 2022.