Risk Index · New York County · 2026-06-13
New York, NY real-estate risk
- Risk score
- 98.8/100
- Relatively High
- Expected annual loss
- $307M
- all hazards, county-wide
- Buildings-only loss
- $227M
- what owners and insurers carry
- Population
- 1.7M
- New York County
New York, NY (New York County) carries a FEMA National Risk Index score of 98.8/100, rated "Relatively High" and driven mainly by heat wave and strong wind, with roughly $307M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave99.6
- Strong wind99.5
- Riverine flood99.2
- Earthquake96.9
- Hurricane96.8
- Hail93.7
- Tornado89.4
- Coastal flood77.8
- Wildfire9.9
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.
New York risk questions
Is New York, NY a high-risk area for real estate?
New York scores 98.8/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $307M per year.
What is the biggest natural hazard in New York?
The highest-rated hazard is heat wave (99.6/100), followed by strong wind (99.5/100).
How does hazard risk affect property insurance in New York?
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.