How Climate Risk Affects Your Home State
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A significant portion of climate change discourse focuses on long-term weather changes. But what about your climate risk today? To help you understand how local weather emergencies could affect your personal finances and insurance needs, MoneyGeek analyzed data from FEMA and ranked each state’s climate risk.
Whether you want to safeguard your family home or build an emergency fund, this study provides valuable information on the financial, agricultural and social impact of weather emergencies.
By providing an annual outlook on your state’s climate risk, this study can help you determine if your homeowners policy provides the coverage that you need. It can also help you understand how climate risk affects your renters insurance needs, so you can protect your belongings.
Review MoneyGeek’s full analysis for a comprehensive look at climate risk in your state and how this could affect your homeowner’s insurance needs. You can find our ranking of all 50 states and the District of Columbia in order of least to most climate risk below.
- 51. Rhode Island
Downtown Providence, Rhode Island.
- Riverine FloodingGreatest Potential Hazard
- $16Annual Expected Losses (Millions)
- $15Expected Loss per Capita
- 50. District of Columbia
U.S. Capitol, Washington, D.C.
- Strong WindGreatest Potential Hazard
- $17Annual Expected Losses (Millions)
- $28Expected Loss per Capita
- 49. Vermont
Downtown Montpelier, Vermont.
- Riverine FloodingGreatest Potential Hazard
- $25Annual Expected Losses (Millions)
- $40Expected Loss per Capita
- 48. Delaware
Downtown Wilmington, Delaware.
- Coastal FloodingGreatest Potential Hazard
- $34Annual Expected Losses (Millions)
- $37Expected Loss per Capita
- 47. New Hampshire
Downtown Manchester, New Hampshire.
- Riverine FloodingGreatest Potential Hazard
- $42Annual Expected Losses (Millions)
- $32Expected Loss per Capita
- 46. Maine
Downtown Portland, Maine.
- DroughtGreatest Potential Hazard
- $54Annual Expected Losses (Millions)
- $41Expected Loss per Capita
- 45. Connecticut
Downtown Hartford, Connecticut.
- TornadoGreatest Potential Hazard
- $59Annual Expected Losses (Millions)
- $16Expected Loss per Capita
- 44. Wyoming
Downtown Cheyenne, Wyoming.
- AvalancheGreatest Potential Hazard
- $64Annual Expected Losses (Millions)
- $114Expected Loss per Capita
- 43. Montana
Downtown Missoula, Montana.
- EarthquakeGreatest Potential Hazard
- $89Annual Expected Losses (Millions)
- $90Expected Loss per Capita
- 42. West Virginia
Downtown Charleston, West Virginia.
- Riverine FloodingGreatest Potential Hazard
- $100Annual Expected Losses (Millions)
- $54Expected Loss per Capita
- 41. Massachusetts
Downtown Boston, Massachusetts.
- Riverine FloodingGreatest Potential Hazard
- $126Annual Expected Losses (Millions)
- $19Expected Loss per Capita
- 40. Alaska
Downtown Anchorage, Alaska.
- EarthquakeGreatest Potential Hazard
- $134Annual Expected Losses (Millions)
- $189Expected Loss per Capita
- 39. North Dakota
Downtown Fargo, North Dakota.
- Cold WaveGreatest Potential Hazard
- $141Annual Expected Losses (Millions)
- $209Expected Loss per Capita
- 38. Idaho
Downtown Boise, Idaho.
- DroughtGreatest Potential Hazard
- $148Annual Expected Losses (Millions)
- $94Expected Loss per Capita
- 37. Hawaii
Waikiki Beach in Honolulu, Hawaii.
- EarthquakeGreatest Potential Hazard
- $159Annual Expected Losses (Millions)
- $117Expected Loss per Capita
- 36. New Mexico
Downtown Albuquerque, New Mexico.
- DroughtGreatest Potential Hazard
- $165Annual Expected Losses (Millions)
- $80Expected Loss per Capita
- 35. Maryland
Downtown Baltimore, Maryland.
- DroughtGreatest Potential Hazard
- $221Annual Expected Losses (Millions)
- $38Expected Loss per Capita
- 34. South Dakota
Downtown Sioux Falls, South Dakota.
- TornadoGreatest Potential Hazard
- $221Annual Expected Losses (Millions)
- $272Expected Loss per Capita
- 33. Wisconsin
Downtown Milwaukee, Wisconsin.
- TornadoGreatest Potential Hazard
- $267Annual Expected Losses (Millions)
- $47Expected Loss per Capita
- 32. Utah
Downtown Salt Lake City, Utah.
- EarthquakeGreatest Potential Hazard
- $296Annual Expected Losses (Millions)
- $107Expected Loss per Capita
- 31. Arizona
Downtown Phoenix, Arizona.
- WildfireGreatest Potential Hazard
- $302Annual Expected Losses (Millions)
- $47Expected Loss per Capita
- 30. Virginia
Downtown Rosslyn, Virginia.
- TornadoGreatest Potential Hazard
- $320Annual Expected Losses (Millions)
- $40Expected Loss per Capita
- 29. Nevada
Downtown Las Vegas, Nevada.
- EarthquakeGreatest Potential Hazard
- $347Annual Expected Losses (Millions)
- $128Expected Loss per Capita
- 28. Michigan
Downtown Detroit, Michigan.
- Strong WindGreatest Potential Hazard
- $365Annual Expected Losses (Millions)
- $37Expected Loss per Capita
- 27. Pennsylvania
Downtown Philadelphia, Pennsylvania.
- Riverine FloodingGreatest Potential Hazard
- $413Annual Expected Losses (Millions)
- $32Expected Loss per Capita
- 26. Nebraska
Downtown Omaha, Nebraska.
- TornadoGreatest Potential Hazard
- $442Annual Expected Losses (Millions)
- $242Expected Loss per Capita
- 25. Ohio
Downtown Columbus, Ohio.
- TornadoGreatest Potential Hazard
- $448Annual Expected Losses (Millions)
- $39Expected Loss per Capita
- 24. South Carolina
Downtown Charleston, South Carolina.
- EarthquakeGreatest Potential Hazard
- $453Annual Expected Losses (Millions)
- $98Expected Loss per Capita
- 23. Indiana
Downtown Indianapolis, Indiana.
- TornadoGreatest Potential Hazard
- $460Annual Expected Losses (Millions)
- $71Expected Loss per Capita
- 22. Kentucky
Downtown Louisville, Kentucky.
- TornadoGreatest Potential Hazard
- $485Annual Expected Losses (Millions)
- $112Expected Loss per Capita
- 21. Colorado
Downtown Denver, Colorado.
- HailGreatest Potential Hazard
- $485Annual Expected Losses (Millions)
- $97Expected Loss per Capita
- 20. New York
Downtown New York, New York.
- Riverine FloodingGreatest Potential Hazard
- $487Annual Expected Losses (Millions)
- $25Expected Loss per Capita
- 19. Minnesota
Downtown Minneapolis, Minnesota.
- DroughtGreatest Potential Hazard
- $508Annual Expected Losses (Millions)
- $96Expected Loss per Capita
- 18. Arkansas
Downtown Little Rock, Arkansas.
- TornadoGreatest Potential Hazard
- $523Annual Expected Losses (Millions)
- $179Expected Loss per Capita
- 17. Alabama
Downtown Huntsville, Alabama.
- TornadoGreatest Potential Hazard
- $547Annual Expected Losses (Millions)
- $114Expected Loss per Capita
- 16. Kansas
Downtown Wichita, Kansas.
- DroughtGreatest Potential Hazard
- $574Annual Expected Losses (Millions)
- $201Expected Loss per Capita
- 15. Oregon
Downtown Portland, Oregon.
- EarthquakeGreatest Potential Hazard
- $591Annual Expected Losses (Millions)
- $154Expected Loss per Capita
- 14. Mississippi
Downtown Jackson, Mississippi.
- HurricaneGreatest Potential Hazard
- $596Annual Expected Losses (Millions)
- $201Expected Loss per Capita
- 13. Iowa
Downtown Des Moines, Iowa.
- DroughtGreatest Potential Hazard
- $623Annual Expected Losses (Millions)
- $205Expected Loss per Capita
- 12. Georgia
Downtown Atlanta, Georgia
- TornadoGreatest Potential Hazard
- $625Annual Expected Losses (Millions)
- $64Expected Loss per Capita
- 11. Oklahoma
Downtown Oklahoma City, Oklahoma.
- TornadoGreatest Potential Hazard
- $634Annual Expected Losses (Millions)
- $169Expected Loss per Capita
- 10. Tennessee
Downtown Nashville, Tennessee.
- TornadoGreatest Potential Hazard
- $787Annual Expected Losses (Millions)
- $124Expected Loss per Capita
- 9. Illinois
Downtown Chicago, Illinois.
- TornadoGreatest Potential Hazard
- $850Annual Expected Losses (Millions)
- $66Expected Loss per Capita
- 8. New Jersey
Jersey City, New Jersey.
- Coastal FloodingGreatest Potential Hazard
- $851Annual Expected Losses (Millions)
- $97Expected Loss per Capita
- 7. Missouri
Downtown Kansas City, Missouri.
- Heat WaveGreatest Potential Hazard
- $870Annual Expected Losses (Millions)
- $145Expected Loss per Capita
- 6. Washington
Downtown Seattle, Washington.
- EarthquakeGreatest Potential Hazard
- $1,012Annual Expected Losses (Millions)
- $151Expected Loss per Capita
- 5. North Carolina
Downtown Charlotte, North Carolina.
- HurricaneGreatest Potential Hazard
- $1,024Annual Expected Losses (Millions)
- $107Expected Loss per Capita
- 4. Louisiana
Downtown New Orleans, Louisiana.
- HurricaneGreatest Potential Hazard
- $1,128Annual Expected Losses (Millions)
- $249Expected Loss per Capita
- 3. Florida
Miami seaside, Florida
- HurricaneGreatest Potential Hazard
- $1,692Annual Expected Losses (Millions)
- $90Expected Loss per Capita
- 2. Texas
Downtown Austin, Texas.
- HurricaneGreatest Potential Hazard
- $4,615Annual Expected Losses (Millions)
- $184Expected Loss per Capita
- 1. California
Downtown Los Angeles, California.
- EarthquakeGreatest Potential Hazard
- $6,820Annual Expected Losses (Millions)
- $183Expected Loss per Capita
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