Risk Index · East Baton Rouge County · 2026-06-13
Baton Rouge, LA real-estate risk
- Risk score
- 98/100
- Relatively High
- Expected annual loss
- $267M
- all hazards, county-wide
- Buildings-only loss
- $182M
- what owners and insurers carry
- Population
- 457K
- East Baton Rouge County
Baton Rouge, LA (East Baton Rouge County) carries a FEMA National Risk Index score of 98/100, rated "Relatively High" and driven mainly by tornado and hurricane, with roughly $267M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99.6
- Hurricane98.2
- Heat wave98.1
- Riverine flood97.3
- Hail94.9
- Earthquake84.4
- Strong wind79.8
- Drought64.7
- Coastal flood54.6
- Wildfire32.3
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Baton Rouge risk questions
Is Baton Rouge, LA a high-risk area for real estate?
Baton Rouge scores 98/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $267M per year.
What is the biggest natural hazard in Baton Rouge?
The highest-rated hazard is tornado (99.6/100), followed by hurricane (98.2/100).
How does hazard risk affect property insurance in Baton Rouge?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.