Risk Index · Los Angeles County · 2026-06-13
Los Angeles, CA real-estate risk
- Risk score
- 100/100
- Very High
- Expected annual loss
- $7.6B
- all hazards, county-wide
- Buildings-only loss
- $5.9B
- what owners and insurers carry
- Population
- 10.0M
- Los Angeles County
Los Angeles, CA (Los Angeles County) carries a FEMA National Risk Index score of 100/100, rated "Very High" and driven mainly by earthquake and riverine flood, with roughly $7.6B in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Earthquake100
- Riverine flood100
- Wildfire99.9
- Heat wave99.3
- Tornado97.7
- Hail93
- Coastal flood90
- Strong wind75.2
- Drought43.5
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.
Los Angeles risk questions
Is Los Angeles, CA a high-risk area for real estate?
Los Angeles scores 100/100 on FEMA's National Risk Index, rated "Very High" versus all US counties. Its expected natural-hazard loss is about $7.6B per year.
What is the biggest natural hazard in Los Angeles?
The highest-rated hazard is earthquake (100/100), followed by riverine flood (100/100).
How does hazard risk affect property insurance in Los Angeles?
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.