Risk Index · Philadelphia County · 2026-06-13
Philadelphia, PA real-estate risk
- Risk score
- 99.6/100
- Very High
- Expected annual loss
- $667M
- all hazards, county-wide
- Buildings-only loss
- $312M
- what owners and insurers carry
- Population
- 1.6M
- Philadelphia County
Philadelphia, PA (Philadelphia County) carries a FEMA National Risk Index score of 99.6/100, rated "Very High" and driven mainly by heat wave and riverine flood, with roughly $667M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave100
- Riverine flood99.6
- Tornado98.7
- Earthquake98.3
- Strong wind97.9
- Hail95.1
- Hurricane94.3
- Coastal flood85.4
- Wildfire28.7
- Drought21.7
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.
Philadelphia risk questions
Is Philadelphia, PA a high-risk area for real estate?
Philadelphia scores 99.6/100 on FEMA's National Risk Index, rated "Very High" versus all US counties. Its expected natural-hazard loss is about $667M per year.
What is the biggest natural hazard in Philadelphia?
The highest-rated hazard is heat wave (100/100), followed by riverine flood (99.6/100).
How does hazard risk affect property insurance in Philadelphia?
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.