Risk Index · 2026-06-13
US real-estate risk & insurance index, by metro.
67 of the 89 largest US metros rate “Very High”on FEMA's natural-hazard risk index. Below: each metro's risk score, top hazards, expected annual loss, and what it means for property insurance — the cost that's quietly breaking deals in 2026.
#MetroRiskRatingTop hazardsEAL/yr
1Los Angeles, CA100Earthquake, Riverine flood$7.6B2Chicago, IL100Tornado, Riverine flood$2.4B3Houston, TX99.9Riverine flood, Hurricane$2.2B4Phoenix, AZ99.9Heat wave, Riverine flood$2.2B5Riverside, CA99.9Wildfire, Riverine flood$2.3B6San Diego, CA99.7Wildfire, Earthquake$1.5B7Dallas, TX99.7Hail, Heat wave$973M8San Jose, CA99.7Earthquake, Riverine flood$2.0B9Seattle, WA99.7Earthquake, Riverine flood$1.7B10Philadelphia, PA99.6Heat wave, Riverine flood$667M11Las Vegas, NV99.6Heat wave, Riverine flood$813M12Miami, FL99.6Hurricane, Riverine flood$825M13San Francisco, CA99.5Earthquake, Riverine flood$853M14Fort Lauderdale, FL99.5Hurricane, Riverine flood$648M15San Antonio, TX99.4Tornado, Hail$619M16Memphis, TN99.4Tornado, Heat wave$555M17Fresno, CA99.3Drought, Earthquake$557M18Fort Worth, TX99.1Hail, Tornado$608M19Tucson, AZ99.1Heat wave, Wildfire$531M20Detroit, MI99Strong wind, Tornado$402M21Fort Myers, FL99Hurricane, Coastal flood$433M22Bakersfield, CA98.9Wildfire, Heat wave$417M23New York, NY98.8Heat wave, Strong wind$307M24Tampa, FL98.8Tornado, Hurricane$495M25Honolulu, HI98.8Riverine flood, Wildfire$517M26St. Louis, MO98.7Heat wave, Tornado$359M27Salt Lake City, UT98.6Earthquake, Wildfire$622M28Stockton, CA98.6Drought, Earthquake$422M29Charleston, SC98.6Coastal flood, Hurricane$500M30Portland, OR98.5Earthquake, Heat wave$440M31Milwaukee, WI98.4Tornado, Heat wave$342M32Orlando, FL98.4Strong wind, Tornado$418M33Louisville, KY98.3Tornado, Riverine flood$342M34New Orleans, LA98.3Hurricane, Heat wave$304M35Minneapolis, MN98.3Tornado, Hail$456M36Sarasota, FL98.2Hurricane, Riverine flood$273M37Columbus, OH98.1Heat wave, Riverine flood$331M38Sacramento, CA98.1Drought, Riverine flood$352M39Pittsburgh, PA98.1Riverine flood, Strong wind$354M40Cleveland, OH98Tornado, Riverine flood$282M41Baton Rouge, LA98Tornado, Hurricane$267M42Oklahoma City, OK97.9Hail, Tornado$298M43Tulsa, OK97.9Heat wave, Strong wind$292M44Austin, TX97.7Tornado, Hail$376M45Buffalo, NY97.7Riverine flood, Tornado$286M46Newark, NJ97.7Heat wave, Riverine flood$214M47Birmingham, AL97.6Tornado, Riverine flood$262M48Indianapolis, IN97.5Tornado, Heat wave$285M49Anchorage, AK97.4Earthquake, Wildfire$367M50Savannah, GA97.4Hurricane, Coastal flood$277M51Jacksonville, FL97.2Hurricane, Riverine flood$264M52Nashville, TN97.2Earthquake, Riverine flood$262M53Jersey City, NJ97.2Heat wave, Riverine flood$189M54Charlotte, NC97.1Riverine flood, Tornado$318M55Little Rock, AR96.8Tornado, Earthquake$212M56Reno, NV96.7Earthquake, Wildfire$274M57Wichita, KS96.6Tornado, Hail$256M58Corpus Christi, TX96.6Hurricane, Heat wave$186M59Kansas City, MO96.5Tornado, Hail$251M60Cincinnati, OH96.3Tornado, Heat wave$221M61Lubbock, TX96.2Strong wind, Hail$214M62Omaha, NE95.9Strong wind, Hail$234M63Atlanta, GA95.8Riverine flood, Tornado$235M64Raleigh, NC95.5Hail, Riverine flood$299M65El Paso, TX95.5Hail, Heat wave$121M66Denver, CO95.2Hail, Tornado$222M67Baltimore, MD95Heat wave, Strong wind$136M68Albuquerque, NM94.4Earthquake, Riverine flood$154M69Colorado Springs, CO94.1Wildfire, Hail$213M70Madison, WI93.9Hail, Tornado$182M71Rochester, NY93.8Riverine flood, Heat wave$141M72Providence, RI93.7Heat wave, Riverine flood$130M73Boston, MA93.5Heat wave, Earthquake$115M74Greensboro, NC93.4Riverine flood, Hail$135M75Chattanooga, TN93.3Tornado, Strong wind$140M76Columbia, SC93.1Strong wind, Tornado$138M77Toledo, OH92.4Tornado, Hail$111M78Grand Rapids, MI92.2Strong wind, Tornado$147M79Knoxville, TN92.1Earthquake, Tornado$131M80Des Moines, IA92Strong wind, Tornado$138M81Lexington, KY92Tornado, Strong wind$113M82Akron, OH91.2Hail, Strong wind$102M83Lincoln, NE90.7Strong wind, Tornado$115M84Spokane, WA90Wildfire, Heat wave$99M85Durham, NC89.6Heat wave, Tornado$91M86Boise, ID87.8Wildfire, Heat wave$116M87Norfolk, VA81.2Hurricane, Heat wave$46M88Richmond, VA78.4Earthquake, Heat wave$39M89Virginia Beach, VA57.9Heat wave, Hurricane$31MSource: FEMA National Risk Index (Counties), v1.20. “Risk” is the composite National Risk Index score (0–100 percentile vs all US counties). “EAL/yr” is expected annual loss from natural hazards. Insurance commentary is PropHunt's interpretation, not a quote.
Risk is one line. PropHunt underwrites the whole deal.
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