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47 US Cities With the Most Potential Climate Risk

Last Updated: 4/27/2022
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Are you concerned about the effects of climate change on your city? From rising sea levels to extreme heat and storms, no part of the country is immune to climate risk. MoneyGeek used data from the Federal Emergency Management Agency (FEMA) to rank 47 U.S. cities in order of least to most climate risk to help you understand potential threats in your area.

Natural disasters are already costing cities dearly, and they could also affect the price of your home insurance policy. By understanding your local risk levels, you can prepare your family finances and keep your property covered.

MoneyGeek’s complete analysis of 377 U.S. metropolitan areas offers perspective on the weather risks you face today, what to expect in the future and how to assess your insurance needs.


  • 47. El Centro, CA
    El Centro, CA
    • $208.08Expected Loss per Capita
    • $36Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 46. Cedar Rapids, IA
    Cedar Rapids, IA
    • $215.70Expected Loss per Capita
    • $56Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 45. Flagstaff, AZ
    Flagstaff, AZ
    • $217.56Expected Loss per Capita
    • $29Annual Expected Losses (Millions)
    • WildfireGreatest Potential Hazard
  • 44. Corpus Christi, TX
    Corpus Christi, TX
    • $219.71Expected Loss per Capita
    • $94Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 43. Panama City, FL
    Panama City, FL
    • $220.52Expected Loss per Capita
    • $41Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 42. Memphis, TN-MS-AR
    Memphis, TN-MS-AR
    • $222.04Expected Loss per Capita
    • $294Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 41. Reno, NV
    Reno, NV
    • $226.36Expected Loss per Capita
    • $96Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 40. Sierra Vista-Douglas, AZ
    Sierra Vista-Douglas, AZ
    • $230.46Expected Loss per Capita
    • $30Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 39. Rocky Mount, NC
    Rocky Mount, NC
    • $237.32Expected Loss per Capita
    • $36Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 38. Show Low, AZ
    Show Low, AZ
    • $238.63Expected Loss per Capita
    • $26Annual Expected Losses (Millions)
    • WildfireGreatest Potential Hazard
  • 37. Anchorage, AK
    Anchorage, AK
    • $240.25Expected Loss per Capita
    • $91Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 36. San Francisco-Oakland-Berkeley, CA
    San Francisco-Oakland-Berkeley, CA
    • $241.78Expected Loss per Capita
    • $1,048Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 35. Lubbock, TX
    Lubbock, TX
    • $242.80Expected Loss per Capita
    • $71Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 34. Goldsboro, NC
    Goldsboro, NC
    • $243.81Expected Loss per Capita
    • $30Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 33. Madera, CA
    Madera, CA
    • $243.86Expected Loss per Capita
    • $37Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 32. San Jose-Sunnyvale-Santa Clara, CA
    San Jose-Sunnyvale-Santa Clara, CA
    • $244.93Expected Loss per Capita
    • $450Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 31. Baton Rouge, LA
    Baton Rouge, LA
    • $247.62Expected Loss per Capita
    • $199Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 30. Houma-Thibodaux, LA
    Houma-Thibodaux, LA
    • $248.67Expected Loss per Capita
    • $52Annual Expected Losses (Millions)
    • Coastal FloodingGreatest Potential Hazard
  • 29. Amarillo, TX
    Amarillo, TX
    • $250.20Expected Loss per Capita
    • $63Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 28. Jonesboro, AR
    Jonesboro, AR
    • $251.84Expected Loss per Capita
    • $30Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 27. Vallejo, CA
    Vallejo, CA
    • $257.55Expected Loss per Capita
    • $106Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 26. New Bern, NC
    New Bern, NC
    • $263.73Expected Loss per Capita
    • $33Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 25. Longview, WA
    Longview, WA
    • $268.94Expected Loss per Capita
    • $28Annual Expected Losses (Millions)
    • Coastal FloodingGreatest Potential Hazard
  • 24. Mount Vernon-Anacortes, WA
    Mount Vernon-Anacortes, WA
    • $269.57Expected Loss per Capita
    • $32Annual Expected Losses (Millions)
    • Coastal FloodingGreatest Potential Hazard
  • 23. Mobile, AL
    Mobile, AL
    • $270.47Expected Loss per Capita
    • $112Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 22. Sioux Falls, SD
    Sioux Falls, SD
    • $273.76Expected Loss per Capita
    • $62Annual Expected Losses (Millions)
    • TornadoGreatest Potential Hazard
  • 21. Hattiesburg, MS
    Hattiesburg, MS
    • $274.12Expected Loss per Capita
    • $39Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 20. Lafayette, LA
    Lafayette, LA
    • $279.23Expected Loss per Capita
    • $130Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 19. Meridian, MS
    Meridian, MS
    • $280.66Expected Loss per Capita
    • $30Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 18. Eureka-Arcata-Fortuna, CA
    Eureka-Arcata-Fortuna, CA
    • $290.65Expected Loss per Capita
    • $39Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 17. Lake Charles, LA
    Lake Charles, LA
    • $291.98Expected Loss per Capita
    • $58Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 16. Santa Cruz-Watsonville, CA
    Santa Cruz-Watsonville, CA
    • $296.91Expected Loss per Capita
    • $78Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 15. Iowa City, IA
    Iowa City, IA
    • $305.31Expected Loss per Capita
    • $47Annual Expected Losses (Millions)
    • TornadoGreatest Potential Hazard
  • 14. Port St. Lucie, FL
    Port St. Lucie, FL
    • $326.63Expected Loss per Capita
    • $139Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 13. Wilmington, NC
    Wilmington, NC
    • $333.98Expected Loss per Capita
    • $85Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 12. St George, UT
    St George, UT
    • $353.52Expected Loss per Capita
    • $49Annual Expected Losses (Millions)
    • Riverine FloodingGreatest Potential Hazard
  • 11. Houston-The Woodlands-Sugar Land, TX
    Houston-The Woodlands-Sugar Land, TX
    • $375.56Expected Loss per Capita
    • $2,223Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 10. Sebastian-Vero Beach, FL
    Sebastian-Vero Beach, FL
    • $376.12Expected Loss per Capita
    • $52Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 9. New Orleans-Metairie, LA
    New Orleans-Metairie, LA
    • $401.13Expected Loss per Capita
    • $477Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 8. Santa Rosa-Petaluma, CA
    Santa Rosa-Petaluma, CA
    • $403.87Expected Loss per Capita
    • $195Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 7. Chico, CA
    Chico, CA
    • $455.63Expected Loss per Capita
    • $100Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 6. Hilo, HI
    Hilo, HI
    • $460.05Expected Loss per Capita
    • $85Annual Expected Losses (Millions)
    • EarthquakeGreatest Potential Hazard
  • 5. Beaumont-Port Arthur, TX
    Beaumont-Port Arthur, TX
    • $460.98Expected Loss per Capita
    • $186Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard
  • 4. Santa Maria-Santa Barbara, CA
    Santa Maria-Santa Barbara, CA
    • $704.43Expected Loss per Capita
    • $299Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 3. Yuba City, CA
    Yuba City, CA
    • $736.93Expected Loss per Capita
    • $123Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 2. Napa, CA
    Napa, CA
    • $864.24Expected Loss per Capita
    • $118Annual Expected Losses (Millions)
    • DroughtGreatest Potential Hazard
  • 1. Gulfport-Biloxi, MS
    Gulfport-Biloxi, MS
    • $1,037.77Expected Loss per Capita
    • $385Annual Expected Losses (Millions)
    • HurricaneGreatest Potential Hazard

About the Author

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Lucia Caldera is a writer who specializes in personal finance. Her goal is to create approachable content that sparks financial wellness and unlocks growth. Lucia’s work reflects her passion for financial education as the key to reducing the wealth gap for women and minorities.