Risk Index · Riverside County · 2026-06-13
Riverside, CA real-estate risk
- Risk score
- 99.9/100
- Very High
- Expected annual loss
- $2.3B
- all hazards, county-wide
- Buildings-only loss
- $2.0B
- what owners and insurers carry
- Population
- 2.4M
- Riverside County
Riverside, CA (Riverside County) carries a FEMA National Risk Index score of 99.9/100, rated "Very High" and driven mainly by wildfire and riverine flood, with roughly $2.3B in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Wildfire100
- Riverine flood99.9
- Earthquake99.8
- Heat wave98.5
- Tornado86.7
- Hail81.4
- Drought55.7
- Strong wind52.7
- Hurricane12
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.
Riverside risk questions
Is Riverside, CA a high-risk area for real estate?
Riverside scores 99.9/100 on FEMA's National Risk Index, rated "Very High" versus all US counties. Its expected natural-hazard loss is about $2.3B per year.
What is the biggest natural hazard in Riverside?
The highest-rated hazard is wildfire (100/100), followed by riverine flood (99.9/100).
How does hazard risk affect property insurance in Riverside?
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.