Risk Index · Fresno County · 2026-06-13
Fresno, CA real-estate risk
- Risk score
- 99.3/100
- Relatively High
- Expected annual loss
- $557M
- all hazards, county-wide
- Buildings-only loss
- $283M
- what owners and insurers carry
- Population
- 1.0M
- Fresno County
Fresno, CA (Fresno County) carries a FEMA National Risk Index score of 99.3/100, rated "Relatively High" and driven mainly by drought and earthquake, with roughly $557M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Drought100
- Earthquake99.2
- Riverine flood98.7
- Wildfire98.4
- Heat wave97.9
- Hail95.5
- Tornado57.1
- Strong wind15.6
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Wildfire is the binding insurance line here. Top-percentile wildfire risk is exactly where carriers are non-renewing and FAIR-Plan pricing (often 2–3× admitted rates) kicks in. Underwrite a real insurance quote before the cap rate.
Fresno risk questions
Is Fresno, CA a high-risk area for real estate?
Fresno scores 99.3/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $557M per year.
What is the biggest natural hazard in Fresno?
The highest-rated hazard is drought (100/100), followed by earthquake (99.2/100).
How does hazard risk affect property insurance in Fresno?
Wildfire is the binding insurance line here. Top-percentile wildfire risk is exactly where carriers are non-renewing and FAIR-Plan pricing (often 2–3× admitted rates) kicks in. Underwrite a real insurance quote before the cap rate.
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.