Risk Index · Monroe County · 2026-06-13
Rochester, NY real-estate risk
- Risk score
- 93.8/100
- Relatively Moderate
- Expected annual loss
- $141M
- all hazards, county-wide
- Buildings-only loss
- $108M
- what owners and insurers carry
- Population
- 758K
- Monroe County
Rochester, NY (Monroe County) carries a FEMA National Risk Index score of 93.8/100, rated "Relatively Moderate" and driven mainly by riverine flood and heat wave, with roughly $141M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Riverine flood96.7
- Heat wave94.8
- Tornado87.2
- Earthquake84.1
- Strong wind79.1
- Hurricane68.8
- Drought56.3
- Wildfire47.1
- Coastal flood39
- Hail32.5
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Rochester risk questions
Is Rochester, NY a high-risk area for real estate?
Rochester scores 93.8/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $141M per year.
What is the biggest natural hazard in Rochester?
The highest-rated hazard is riverine flood (96.7/100), followed by heat wave (94.8/100).
How does hazard risk affect property insurance in Rochester?
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
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.