MoneyGeek Analysis:

Cities With the Most (& Least) Climate Risk Today

Name: Cities With the Most (& Least) Climate Risk Today
Item: Cities With the Most (& Least) Climate Risk Today
Author: Lucia Caldera

By Lucia Caldera

Updated: November 11, 2024

Advertising & Editorial Disclosure

Depending on where you live, your home may be more vulnerable to the negative effects of climate risks. If you live in a city with a significantly higher risk of hazards like hurricanes, droughts and earthquakes than others, you could be more likely to experience catastrophic damage to your home. Understanding your risk is a crucial part of determining your home insurance needs, so you’re covered if the unthinkable happens.

MoneyGeek analyzed Federal Emergency Management Agency (FEMA) data for 377 metropolitan areas to find the cities in the U.S. with the most (and least) climate risk. These insights can help homeowners better understand their hazard, flood and earthquake insurance needs and secure the coverage necessary to protect their homes.

Key Findings:

Mississippi’s greater Gulfport area has the highest expected per capita risk, with an annual expected loss of $1,038 per person; it also has the third-highest annual expected losses ($385 million).
Of the metros with the most per capita risk, Texas’s Houston metro area has the largest annualized climate risk in the U.S. ($2.2 billion), followed by Louisiana’s greater New Orleans area ($477 million).
Connecticut's greater New Haven area has the lowest per capita risk of any large metropolitan area at $13 per person. The Laredo, Texas area has the lowest per-capita climate risk overall at $9.55 per person.
Tornadoes are the top climate risk in 304 metropolitan areas, making them the climate hazard impacting the most metros; of these, the Dallas-Fort Worth area has the most risk overall.

15 Cities With the Most & Least Climate Risk Per Person

When shopping for insurance, homeowners need to understand how local climate risks affect their coverage needs and premiums. This awareness can also help them prepare for weather emergencies and create a recovery plan before disaster strikes.

MoneyGeek analyzed 377 metropolitan areas included in FEMA’s most recent National Risk Index data set to determine the best and worst cities for climate change and evaluate the greatest potential hazards, per capita losses and annual expected losses in each metro area.

Cities With the Highest Climate Risk

As hurricanes become stronger every season, Mississippi’s greater Gulfport area leads MoneyGeek’s list of the worst cities for natural disasters with an expected per capita cost of $1,038 per person. The following two spots on the list belong to California’s Napa and Yuba areas, where homeowners face significant annual losses due to droughts.

1. Greater Gulfport Area
Mississippi
- $1,037.77Expected Loss per Capita
- $384.71Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
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2. Napa Area
California
- $864.24Expected Loss per Capita
- $117.96Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
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3. Yuba City Area
California
- $736.93Expected Loss per Capita
- $122.99Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
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4. Greater Santa Maria Area
California
- $704.43Expected Loss per Capita
- $298.61Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
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5. Greater Beaumont Area
Texas
- $460.98Expected Loss per Capita
- $185.86Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
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6. Hilo Area
Hawaii
- $460.05Expected Loss per Capita
- $85.15Annual Expected Losses (Millions)
- EarthquakeGreatest Potential Hazard
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7. Chico Area
California
- $455.63Expected Loss per Capita
- $100.24Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
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8. Greater Santa Rosa Area
California
- $403.87Expected Loss per Capita
- $195.42Annual Expected Losses (Millions)
- EarthquakeGreatest Potential Hazard
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9. Greater New Orleans Area
Lousiana
- $401.13Expected Loss per Capita
- $477.29Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
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10. Greater Sebastian Area
Florida
- $376.12Expected Loss per Capita
- $51.92Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
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11. Houston Metro Area
Texas
- $375.56Expected Loss per Capita
- $2,223.46Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
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12. St. George Area
Utah
- $353.52Expected Loss per Capita
- $48.83Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
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13. Wilmington Area
North Carolina
- $333.98Expected Loss per Capita
- $85.13Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
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14. Port St. Lucie Area
Florida
- $326.63Expected Loss per Capita
- $138.52Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
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15. Iowa City Area
Iowa
- $305.31Expected Loss per Capita
- $46.59Annual Expected Losses (Millions)
- TornadoGreatest Potential Hazard
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Cities With the Lowest Climate Risk

According to FEMA data, the Laredo, Texas area offers its residents the least climate risk. The greater New Haven area and the greater Providence metro area are the next two best places for climate change — both with low annual expected climate-related costs of less than $15 per person.

1. Laredo Area
Texas
- $9.55Expected Loss per Capita
- $2.39Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
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2. Greater New Haven Area
Connecticut
- $12.63Expected Loss per Capita
- $10.89Annual Expected Losses (Millions)
- TornadoGreatest Potential Hazard
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3. Greater Providence Area
Rhode Island
- $13.08Expected Loss per Capita
- $20.94Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
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4. Coeur d'Alene Area
Idaho
- $13.97Expected Loss per Capita
- $1.93Annual Expected Losses (Millions)
- Cold WaveGreatest Potential Hazard
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5. Greater Bridgeport Area
Connecticut
- $14.01Expected Loss per Capita
- $12.85Annual Expected Losses (Millions)
- Strong WindGreatest Potential Hazard
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6. Greater York Area
Pennsylvania
- $14.25Expected Loss per Capita
- $6.20Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
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7. Worcester Area
Massachusetts
- $15.11Expected Loss per Capita
- $13.86Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
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8. Greater Buffalo Area
New York
- $15.43Expected Loss per Capita
- $17.52Annual Expected Losses (Millions)
- TornadoGreatest Potential Hazard
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9. Lancaster Area
Pennsylvania
- $17.71Expected Loss per Capita
- $9.20Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
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10. Greater South Bend Area
Indiana
- $18.18Expected Loss per Capita
- $5.80Annual Expected Losses (Millions)
- Strong WindGreatest Potential Hazard
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11. Springfield Area
Massachusetts
- $18.42Expected Loss per Capita
- $11.45Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
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12. Barnstable Town Area
Massachusetts
- $18.48Expected Loss per Capita
- $3.99Annual Expected Losses (Millions)
- HurricaneGreatest Potential Hazard
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13. Greater Hartford Area
Connecticut
- $18.67Expected Loss per Capita
- $22.63Annual Expected Losses (Millions)
- DroughtGreatest Potential Hazard
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14. Erie Area
Pennsylvania
- $18.91Expected Loss per Capita
- $5.31Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
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15. Pittsburgh Area
Pennsylvania
- $19.25Expected Loss per Capita
- $45.35Annual Expected Losses (Millions)
- Riverine FloodingGreatest Potential Hazard
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Risk by Type of Hazard

The most significant climate hazards across U.S. cities are earthquakes, tornadoes and riverine flooding. When it comes to earthquakes, the Los Angeles metro area suffers the greatest risk overall. The Dallas-Fort Worth area is at the highest overall risk of tornadoes, and the Houston metro area is the riskiest place for riverine flooding.

The following definitions are key to understanding the risks that each type of weather emergency represents:

Metro With Greatest Risk Overall: These are the cities with the largest total expected losses due to each type of hazard.
Metro With Greatest Risk Per Capita: Based on population size and greatest potential hazards, these are the cities with the largest risk per person.
# of Metros’ Greatest Risk: The number of cities where this hazard poses the most climate risk.
& of National Risk: Each hazard’s expected national losses as a percentage of total expected losses.

Metro Area Climate Risk by Hazard

Hazard	Metro With Greatest Risk Overall	Metro With Greatest Risk Per Capita	# of Metros' Greatest Risk	% of National Risk
Earthquake	Los Angeles-Long Beach-Anaheim, CA	Anchorage, AK	91	23.9%
Tornado	Dallas-Fort Worth-Arlington, TX	Sioux Falls, SD	304	15.3%
Riverine Flooding	Houston-The Woodlands-Sugar Land, TX	St George, UT	185	14.4%
Hurricane	Houston-The Woodlands-Sugar Land, TX	Gulfport-Biloxi, MS	104	14.5%
Drought	Santa Maria-Santa Barbara, CA	Yuba City, CA	102	7.5%
Wildfire	Riverside-San Bernardino-Ontario, CA	Flagstaff, AZ	51	4.8%
Strong Wind	New York-Newark-Jersey City, NY-NJ-PA	Iowa City, IA	23	3.5%
Hail	Dallas-Fort Worth-Arlington, TX	Grand Island, NE	19	3.6%
Coastal Flooding	New York-Newark-Jersey City, NY-NJ-PA	Ocean City, NJ	14	4.0%
Heat Wave	St. Louis, MO-IL	Tulsa, OK	9	2.7%
Lightning	Miami-Fort Lauderdale-Pompano Beach, FL	Crestview-Fort Walton Beach-Destin, FL	0	1.5%
Ice Storm	New York-Newark-Jersey City, NY-NJ-PA	Lincoln, NE	2	1.3%
Cold Wave	Chicago-Naperville-Elgin, IL-IN-WI	Sioux Falls, SD	19	1.0%
Winter Weather	Kansas City, MO-KS	Bismarck, ND	1	0.8%
Landslide	Boise City, ID	Corvallis, OR	3	0.5%
Volcanic Activity	Seattle-Tacoma-Bellevue, WA	Longview, WA	0	0.4%
Avalanche	Seattle-Tacoma-Bellevue, WA	Anchorage, AK	6	0.1%
Tsunami	Urban Honolulu, HI	Urban Honolulu, HI	0	0.0%

How Homeowners Can Prepare for Climate Risk

Understanding local climate risks can help homeowners budget for the cost of home insurance coverage. These will vary greatly depending on your city’s vulnerability to weather conditions, as well as the age and durability of your home.

PREPARING FOR CLIMATE RISK

Severe weather can strike at any time. No matter where you live, FEMA urges homeowners to take the following steps as part of their weather preparedness plan:

Become familiar with the risks that are most likely to affect your city.
Create and practice your family’s emergency plan.
Maintain proper inventory of your assets.
Keep an emergency kit handy.
Take steps to weatherproof your property.
Make sure you’re signed up for local weather alerts.
Set up an emergency fund.
Get adequate, affordable home insurance or renter’s insurance coverage.

If you live in one of the worst cities for climate change, you may find it challenging to get affordable coverage through the voluntary insurance market. The Fair Access to Insurance Requirements (FAIR) Plan makes it possible to purchase coverage through your state administrators. The cost of these plans is often higher than private insurance, but they provide coverage when no other options are available.

Expert Insights

Climate change poses a significant risk to cities and homeowners across the country — whether it's through flooding, wildfires, extreme heat or severe cold. MoneyGeek interviewed climate risk experts to reveal how extreme weather is increasing in America and what homeowners can do to protect their homes.

Full Data Set

This complete data set provides a general overview of MoneyGeek’s analysis and each metro area’s ranking. It’s a comprehensive outlook of how natural disasters vary from one place to another while offering an overall breakdown of climate risk in the U.S.

The table below uses the following terminology to evaluate climate risk across the country:

Metro: The full name of each metropolitan area as defined by FEMA.
Expected Loss per Capita: Total expected losses per person based on population size and greatest potential hazards.
Annual Expected Losses: A forecast of how much natural disasters will cost each metro area yearly in millions.
Greatest Potential Hazard: The hazard with the largest expected loss for the metro area.
% Building Losses: The percentage of the Annual Expected Losses associated with building damage and losses.
% Life Lost: The percentage of the Annual Expected Losses associated with injury and loss of life using a value of statistical life of $7.4 million.
% Agricultural: The percentage of the Annual Expected Losses associated with loss of agricultural production.

Rank	Metro	State	Expected Loss per Capita	Annual Expected Losses (Millions)	Greatest Potential Hazard	% Building Losses	% Life Lost	% Agricultural
1	Gulfport-Biloxi, MS	Mississippi	$1,037.77	$385	Hurricane	90%	10%	0%
2	Napa, CA	California	$864.24	$118	Drought	27%	4%	69%
3	Yuba City, CA	California	$736.93	$123	Drought	10%	4%	86%
4	Santa Maria-Santa Barbara, CA	California	$704.43	$299	Drought	15%	3%	82%
5	Beaumont-Port Arthur, TX	Texas	$460.98	$186	Hurricane	87%	12%	1%
6	Hilo, HI	Hawaii	$460.05	$85	Earthquake	72%	28%	0%
7	Chico, CA	California	$455.63	$100	Drought	26%	5%	68%
8	Santa Rosa-Petaluma, CA	California	$403.87	$195	Earthquake	51%	9%	40%
9	New Orleans-Metairie, LA	Louisiana	$401.13	$477	Hurricane	80%	19%	0%
10	Sebastian-Vero Beach, FL	Florida	$376.12	$52	Hurricane	84%	11%	6%
11	Houston-The Woodlands-Sugar Land, TX	Texas	$375.56	$2,223	Hurricane	89%	11%	0%
12	St George, UT	Utah	$353.52	$49	Riverine Flooding	80%	20%	0%
13	Wilmington, NC	North Carolina	$333.98	$85	Hurricane	82%	13%	5%
14	Port St. Lucie, FL	Florida	$326.63	$139	Hurricane	85%	10%	5%
15	Iowa City, IA	Iowa	$305.31	$47	Tornado	64%	26%	10%
16	Santa Cruz-Watsonville, CA	California	$296.91	$78	Earthquake	83%	12%	5%
17	Lake Charles, LA	Louisiana	$291.98	$58	Riverine Flooding	58%	40%	2%
18	Eureka-Arcata-Fortuna, CA	California	$290.65	$39	Earthquake	78%	22%	0%
19	Meridian, MS	Mississippi	$280.66	$30	Hurricane	76%	22%	3%
20	Lafayette, LA	Louisiana	$279.23	$130	Riverine Flooding	71%	24%	6%
21	Hattiesburg, MS	Mississippi	$274.12	$39	Hurricane	79%	19%	2%
22	Sioux Falls, SD	South Dakota	$273.76	$62	Tornado	26%	66%	8%
23	Mobile, AL	Alabama	$270.47	$112	Hurricane	85%	14%	1%
24	Mount Vernon-Anacortes, WA	Washington	$269.57	$32	Coastal Flooding	30%	69%	0%
25	Longview, WA	Washington	$268.94	$28	Coastal Flooding	61%	39%	0%
26	New Bern, NC	North Carolina	$263.73	$33	Hurricane	54%	21%	25%
27	Vallejo, CA	California	$257.55	$106	Earthquake	43%	9%	48%
28	Jonesboro, AR	Arkansas	$251.84	$30	Earthquake	39%	50%	11%
29	Amarillo, TX	Texas	$250.20	$63	Drought	37%	33%	30%
30	Houma-Thibodaux, LA	Louisiana	$248.67	$52	Coastal Flooding	39%	59%	2%
31	Baton Rouge, LA	Louisiana	$247.62	$199	Riverine Flooding	69%	29%	2%
32	San Jose-Sunnyvale-Santa Clara, CA	California	$244.93	$450	Earthquake	81%	19%	1%
33	Madera, CA	California	$243.86	$37	Drought	46%	6%	48%
34	Goldsboro, NC	North Carolina	$243.81	$30	Hurricane	47%	17%	36%
35	Lubbock, TX	Texas	$242.80	$71	Drought	39%	28%	33%
36	San Francisco-Oakland-Berkeley, CA	California	$241.78	$1,048	Earthquake	79%	17%	3%
37	Anchorage, AK	Alaska	$240.25	$91	Earthquake	76%	24%	0%
38	Show Low, AZ	Arizona	$238.63	$26	Wildfire	51%	13%	36%
39	Rocky Mount, NC	North Carolina	$237.32	$36	Hurricane	57%	22%	20%
40	Sierra Vista-Douglas, AZ	Arizona	$230.46	$30	Drought	15%	11%	74%
41	Reno, NV	Nevada	$226.36	$96	Earthquake	86%	12%	2%
42	Memphis, TN-MS-AR	Arkansas	$222.04	$294	Riverine Flooding	68%	31%	1%
43	Panama City, FL	Florida	$220.52	$41	Hurricane	75%	25%	0%
44	Corpus Christi, TX	Texas	$219.71	$94	Hurricane	89%	8%	4%
45	Flagstaff, AZ	Arizona	$217.56	$29	Wildfire	74%	26%	0%
46	Cedar Rapids, IA	Iowa	$215.70	$56	Riverine Flooding	78%	12%	10%
47	El Centro, CA	California	$208.08	$36	Earthquake	66%	27%	7%
48	Hammond, LA	Louisiana	$207.97	$25	Riverine Flooding	72%	27%	1%
49	Redding, CA	California	$197.81	$35	Earthquake	67%	19%	14%
50	Charleston-North Charleston, SC	South Carolina	$197.19	$131	Earthquake	66%	33%	1%
51	Jackson, TN	Tennessee	$195.75	$25	Tornado	45%	54%	0%
52	Oxnard-Thousand Oaks-Ventura, CA	California	$195.23	$161	Earthquake	88%	11%	0%
53	Punta Gorda, FL	Florida	$194.90	$31	Hurricane	74%	24%	2%
54	Hanford-Corcoran, CA	California	$189.57	$29	Drought	19%	6%	76%
55	Merced, CA	California	$187.61	$48	Drought	23%	6%	71%
56	Riverside-San Bernardino-Ontario, CA	California	$179.36	$758	Earthquake	84%	16%	0%
57	Jackson, MS	Mississippi	$178.70	$101	Riverine Flooding	57%	39%	5%
58	Carbondale-Marion, IL	Illinois	$175.04	$22	Earthquake	53%	45%	2%
59	Atlantic City-Hammonton, NJ	New Jersey	$174.24	$48	Coastal Flooding	90%	9%	1%
60	Pine Bluff, AR	Arkansas	$173.24	$17	Riverine Flooding	24%	65%	10%
61	Roseburg, OR	Oregon	$169.68	$18	Earthquake	66%	34%	1%
62	Decatur, AL	Alabama	$166.71	$26	Tornado	27%	71%	3%
63	Cape Coral-Fort Myers, FL	Florida	$166.36	$103	Hurricane	80%	18%	1%
64	Lincoln, NE	Nebraska	$164.76	$50	Tornado	44%	48%	7%
65	Sioux City, IA-NE-SD	Iowa	$162.52	$27	Tornado	34%	44%	22%
66	Evansville, IN-KY	Indiana	$161.41	$50	Earthquake	59%	38%	3%
67	Seattle-Tacoma-Bellevue, WA	Washington	$156.04	$537	Earthquake	78%	22%	0%
68	Pensacola-Ferry Pass-Brent, FL	Florida	$154.82	$70	Hurricane	82%	16%	1%
69	St. Louis, MO-IL	Illinois	$154.45	$431	Heat Wave	44%	55%	2%
70	Sacramento-Roseville-Folsom, CA	California	$152.67	$328	Drought	28%	5%	67%
71	Waterloo-Cedar Falls, IA	Iowa	$149.66	$25	Riverine Flooding	30%	43%	26%
72	Dunn, NC	North Carolina	$149.37	$17	Hurricane	46%	20%	34%
73	Fargo, ND-MN	Minnesota	$148.19	$31	Riverine Flooding	73%	15%	12%
74	Owensboro, KY	Kentucky	$145.49	$17	Tornado	50%	42%	8%
75	Brunswick, GA	Georgia	$145.25	$16	Wildfire	73%	27%	0%
76	Oklahoma City, OK	Oklahoma	$143.79	$180	Tornado	67%	31%	2%
77	Olympia-Lacey-Tumwater, WA	Washington	$143.79	$36	Earthquake	78%	22%	0%
78	Joplin, MO	Missouri	$143.62	$25	Tornado	34%	54%	12%
79	Tulsa, OK	Oklahoma	$143.45	$134	Heat Wave	35%	61%	4%
80	Fort Collins, CO	Colorado	$142.66	$43	Riverine Flooding	74%	25%	1%
81	Omaha-Council Bluffs, NE-IA	Iowa	$142.36	$123	Tornado	55%	37%	8%
82	Bremerton-Silverdale-Port Orchard, WA	Washington	$142.32	$36	Earthquake	62%	38%	0%
83	Florence, SC	South Carolina	$142.23	$29	Hurricane	61%	30%	9%
84	Little Rock-North Little Rock-Conway, AR	Arkansas	$141.67	$99	Tornado	46%	51%	3%
85	Midland, TX	Texas	$140.42	$20	Tornado	51%	39%	10%
86	Longview, TX	Texas	$139.98	$30	Tornado	27%	69%	3%
87	Lawton, OK	Oklahoma	$139.81	$18	Hail	64%	30%	6%
88	Rapid City, SD	South Dakota	$139.42	$19	Wildfire	47%	49%	3%
89	Jefferson City, MO	Missouri	$138.92	$21	Tornado	35%	60%	6%
90	Los Angeles-Long Beach-Anaheim, CA	California	$138.17	$1,773	Earthquake	82%	18%	0%
91	Texarkana, TX-AR	Arkansas	$138.02	$21	Tornado	49%	35%	17%
92	Wichita Falls, TX	Texas	$137.82	$21	Drought	33%	29%	38%
93	San Luis Obispo-Paso Robles, CA	California	$137.82	$37	Earthquake	67%	7%	26%
94	Fort Smith, AR-OK	Arkansas	$136.73	$38	Tornado	23%	46%	31%
95	Salinas, CA	California	$135.32	$56	Earthquake	82%	17%	1%
96	Wichita, KS	Kansas	$134.60	$85	Tornado	49%	47%	4%
97	Deltona-Daytona Beach-Ormond Beach, FL	Florida	$134.54	$79	Hurricane	73%	26%	1%
98	Portland-Vancouver-Hillsboro, OR-WA	Oregon	$132.18	$294	Earthquake	67%	33%	0%
99	Bellingham, WA	Washington	$130.23	$26	Earthquake	47%	52%	0%
100	Bismarck, ND	North Dakota	$128.22	$15	Hail	44%	47%	9%
101	Anniston-Oxford, AL	Alabama	$128.14	$15	Tornado	31%	66%	2%
102	Albany, GA	Georgia	$126.90	$20	Hurricane	48%	27%	25%
103	Dothan, AL	Alabama	$126.27	$18	Tornado	29%	37%	34%
104	Gadsden, AL	Alabama	$125.61	$13	Tornado	39%	58%	3%
105	Peoria, IL	Illinois	$125.35	$48	Tornado	52%	36%	12%
106	Clarksville, TN-KY	Kentucky	$123.47	$32	Tornado	46%	49%	5%
107	Terre Haute, IN	Indiana	$123.44	$21	Riverine Flooding	41%	44%	15%
108	Springfield, IL	Illinois	$121.37	$26	Tornado	51%	36%	13%
109	Albany-Lebanon, OR	Oregon	$120.96	$14	Earthquake	62%	38%	0%
110	Lumberton, NC	North Carolina	$120.57	$16	Tornado	16%	41%	43%
111	Jacksonville, NC	North Carolina	$118.28	$21	Hurricane	41%	39%	19%
112	Chattanooga, TN-GA	Georgia	$116.76	$62	Tornado	44%	53%	2%
113	Salem, OR	Oregon	$116.32	$45	Earthquake	65%	35%	1%
114	Brownsville-Harlingen, TX	Texas	$115.43	$47	Hurricane	70%	27%	3%
115	Myrtle Beach-Conway-North Myrtle Beach, SC-NC	North Carolina	$115.31	$43	Hurricane	57%	36%	7%
116	Tallahassee, FL	Florida	$115.21	$42	Hurricane	65%	28%	7%
117	Champaign-Urbana, IL	Illinois	$113.83	$26	Tornado	46%	36%	18%
118	Springfield, MO	Missouri	$113.55	$50	Tornado	45%	51%	3%
119	Kahului-Wailuku-Lahaina, HI	Hawaii	$113.46	$18	Earthquake	82%	18%	0%
120	London, KY	Kentucky	$113.08	$14	Tornado	40%	59%	1%
121	Greenville, NC	North Carolina	$112.78	$19	Hurricane	31%	44%	25%
122	Louisville/Jefferson County, KY-IN	Indiana	$112.61	$139	Tornado	37%	61%	1%
123	Eugene-Springfield, OR	Oregon	$112.22	$39	Earthquake	65%	35%	0%
124	Decatur, IL	Illinois	$112.09	$12	Tornado	59%	34%	7%
125	St Joseph, MO-KS	Kansas	$112.08	$14	Tornado	26%	44%	30%
126	Palm Bay-Melbourne-Titusville, FL	Florida	$111.09	$60	Wildfire	72%	26%	2%
127	Tullahoma-Manchester, TN	Tennessee	$110.87	$11	Tornado	40%	51%	8%
128	Fayetteville-Springdale-Rogers, AR	Arkansas	$110.56	$51	Riverine Flooding	32%	46%	23%
129	St Cloud, MN	Minnesota	$109.31	$21	Drought	30%	28%	42%
130	Gainesville, FL	Florida	$108.02	$29	Hurricane	80%	20%	1%
131	Durham-Chapel Hill, NC	North Carolina	$107.62	$54	Hurricane	55%	29%	16%
132	Birmingham-Hoover, AL	Alabama	$106.94	$121	Tornado	68%	30%	1%
133	Bloomington, IL	Illinois	$104.18	$19	Tornado	55%	29%	16%
134	Abilene, TX	Texas	$103.95	$17	Hail	79%	16%	5%
135	Nashville-Davidson--Murfreesboro--Franklin, TN	Tennessee	$103.30	$173	Riverine Flooding	63%	36%	1%
136	Florence-Muscle Shoals, AL	Alabama	$103.05	$15	Tornado	37%	62%	1%
137	Prescott Valley-Prescott, AZ	Arizona	$102.75	$22	Wildfire	86%	14%	0%
138	San Diego-Chula Vista-Carlsbad, CA	California	$102.63	$318	Wildfire	93%	7%	0%
139	Bowling Green, KY	Kentucky	$102.58	$16	Tornado	35%	61%	4%
140	Hilton Head Island-Bluffton, SC	South Carolina	$102.34	$19	Earthquake	35%	64%	2%
141	Dalton, GA	Georgia	$102.31	$15	Tornado	39%	53%	8%
142	Boulder, CO	Colorado	$102.27	$30	Riverine Flooding	80%	19%	0%
143	Stockton, CA	California	$102.04	$70	Earthquake	50%	11%	39%
144	Des Moines-West Des Moines, IA	Iowa	$101.56	$58	Tornado	55%	29%	16%
145	Davenport-Moline-Rock Island, IA-IL	Illinois	$100.35	$38	Tornado	29%	52%	19%
146	Dallas-Fort Worth-Arlington, TX	Texas	$100.04	$643	Tornado	55%	45%	0%
147	Modesto, CA	California	$99.64	$51	Drought	38%	7%	55%
148	Ottawa-Peru, IL	Illinois	$98.55	$15	Tornado	49%	34%	17%
149	Rochester, MN	Minnesota	$98.23	$20	Riverine Flooding	48%	23%	29%
150	Salt Lake City, UT	Utah	$97.91	$107	Earthquake	72%	28%	0%
151	Austin-Round Rock-Georgetown, TX	Texas	$97.79	$168	Riverine Flooding	47%	52%	1%
152	Homosassa Springs, FL	Florida	$97.51	$14	Hurricane	63%	36%	0%
153	Denver-Aurora-Lakewood, CO	Colorado	$96.92	$247	Hail	85%	15%	0%
154	Idaho Falls, ID	Idaho	$95.32	$13	Cold Wave	21%	20%	59%
155	Hickory-Lenoir-Morganton, NC	North Carolina	$95.24	$35	Drought	38%	25%	37%
156	San Antonio-New Braunfels, TX	Texas	$94.71	$203	Riverine Flooding	36%	62%	2%
157	Binghamton, NY	New York	$94.60	$24	Riverine Flooding	74%	25%	1%
158	Columbia, MO	Missouri	$94.49	$15	Tornado	37%	61%	2%
159	Medford, OR	Oregon	$93.54	$19	Earthquake	72%	27%	1%
160	Logan, UT-ID	Idaho	$92.78	$12	Earthquake	51%	35%	14%
161	Huntsville, AL	Alabama	$92.42	$39	Tornado	47%	51%	2%
162	Cleveland, TN	Tennessee	$91.67	$11	Tornado	49%	46%	6%
163	Monroe, LA	Louisiana	$91.37	$16	Tornado	30%	68%	3%
164	Tupelo, MS	Mississippi	$90.52	$12	Tornado	38%	58%	4%
165	Greeley, CO	Colorado	$89.81	$23	Riverine Flooding	55%	38%	7%
166	Lafayette-West Lafayette, IN	Indiana	$88.56	$18	Hurricane	41%	46%	12%
167	Lexington-Fayette, KY	Kentucky	$87.07	$41	Tornado	44%	51%	6%
168	Wheeling, WV-OH	Ohio	$86.75	$13	Riverine Flooding	67%	32%	0%
169	Provo-Orem, UT	Utah	$86.71	$46	Earthquake	68%	31%	1%
170	Shreveport-Bossier City, LA	Louisiana	$86.49	$38	Riverine Flooding	27%	68%	5%
171	Wenatchee, WA	Washington	$86.46	$10	Wildfire	70%	24%	6%
172	Las Cruces, NM	New Mexico	$85.99	$18	Drought	16%	4%	80%
173	Tuscaloosa, AL	Alabama	$85.80	$20	Tornado	37%	53%	10%
174	Kansas City, MO-KS	Kansas	$85.01	$171	Tornado	30%	67%	3%
175	Columbia, SC	South Carolina	$85.01	$65	Tornado	51%	45%	4%
176	Sumter, SC	South Carolina	$84.35	$9	Hurricane	61%	31%	7%
177	Crestview-Fort Walton Beach-Destin, FL	Florida	$83.96	$20	Tornado	50%	46%	3%
178	Naples-Marco Island, FL	Florida	$83.37	$27	Hurricane	52%	37%	11%
179	Salisbury, MD-DE	Delaware	$83.37	$31	Coastal Flooding	62%	16%	22%
180	Yakima, WA	Washington	$82.51	$20	Earthquake	50%	24%	26%
181	San Angelo, TX	Texas	$81.71	$9	Wildfire	64%	14%	22%
182	Ogden-Clearfield, UT	Utah	$81.16	$48	Earthquake	67%	32%	1%
183	Burlington, NC	North Carolina	$79.86	$12	Hurricane	52%	34%	13%
184	Cookeville, TN	Tennessee	$79.50	$8	Tornado	53%	44%	3%
185	Sherman-Denison, TX	Texas	$79.20	$10	Tornado	49%	50%	1%
186	Lawrence, KS	Kansas	$77.93	$9	Tornado	46%	51%	3%
187	Topeka, KS	Kansas	$76.65	$18	Tornado	37%	54%	9%
188	Savannah, GA	Georgia	$76.52	$27	Wildfire	62%	35%	3%
189	Colorado Springs, CO	Colorado	$75.71	$49	Tornado	62%	38%	0%
190	Rockford, IL	Illinois	$75.19	$26	Tornado	54%	42%	4%
191	Santa Fe, NM	New Mexico	$74.53	$11	Wildfire	67%	18%	14%
192	College Station-Bryan, TX	Texas	$74.35	$17	Tornado	31%	60%	9%
193	Fayetteville, NC	North Carolina	$74.10	$27	Hurricane	58%	25%	17%
194	Charleston, WV	West Virginia	$73.99	$17	Riverine Flooding	65%	35%	0%
195	Killeen-Temple, TX	Texas	$73.65	$30	Tornado	34%	64%	1%
196	Bakersfield, CA	California	$72.22	$61	Earthquake	82%	12%	6%
197	Elizabethtown-Fort Knox, KY	Kentucky	$72.16	$11	Tornado	49%	48%	3%
198	Miami-Fort Lauderdale-Pompano Beach, FL	Florida	$71.24	$396	Hurricane	62%	23%	16%
199	La Crosse-Onalaska, WI-MN	Minnesota	$70.86	$9	Riverine Flooding	51%	37%	13%
200	Muncie, IN	Indiana	$69.55	$8	Tornado	59%	39%	2%
201	Augusta-Richmond County, GA-SC	Georgia	$68.85	$39	Tornado	32%	54%	14%
202	Williamsport, PA	Pennsylvania	$68.54	$8	Riverine Flooding	58%	40%	1%
203	Minneapolis-St Paul-Bloomington, MN-WI	Minnesota	$68.47	$229	Strong Wind	61%	36%	4%
204	Vineland-Bridgeton, NJ	New Jersey	$68.41	$11	Coastal Flooding	88%	8%	4%
205	Trenton-Princeton, NJ	New Jersey	$68.22	$25	Riverine Flooding	65%	33%	2%
206	Oshkosh-Neenah, WI	Wisconsin	$67.30	$11	Strong Wind	56%	41%	2%
207	Odessa, TX	Texas	$67.24	$9	Hail	69%	29%	3%
208	Knoxville, TN	Tennessee	$67.02	$56	Tornado	57%	41%	2%
209	Huntington-Ashland, WV-KY-OH	Kentucky	$66.76	$24	Riverine Flooding	59%	40%	1%
210	Fresno, CA	California	$66.55	$62	Earthquake	56%	13%	31%
211	Urban Honolulu, HI	Hawaii	$65.63	$63	Earthquake	88%	12%	0%
212	Missoula, MT	Montana	$65.12	$7	Earthquake	45%	54%	1%
213	Lakeland-Winter Haven, FL	Florida	$64.92	$39	Wildfire	51%	35%	14%
214	Daphne-Fairhope-Foley, AL	Alabama	$64.67	$12	Tornado	49%	44%	7%
215	Jacksonville, FL	Florida	$64.23	$86	Riverine Flooding	48%	52%	0%
216	Glens Falls, NY	New York	$64.08	$8	Hurricane	73%	25%	2%
217	Orlando-Kissimmee-Sanford, FL	Florida	$63.05	$135	Tornado	66%	30%	4%
218	Madison, WI	Wisconsin	$62.85	$38	Hail	57%	35%	8%
219	Pueblo, CO	Colorado	$62.47	$10	Hail	77%	19%	4%
220	Bloomington, IN	Indiana	$62.07	$10	Tornado	44%	52%	4%
221	Lake Havasu City-Kingman, AZ	Arizona	$61.61	$12	Riverine Flooding	47%	52%	1%
222	Cincinnati, OH-KY-IN	Indiana	$60.60	$128	Tornado	56%	42%	2%
223	Asheville, NC	North Carolina	$60.28	$26	Riverine Flooding	57%	39%	5%
224	Bay City, MI	Michigan	$59.78	$6	Strong Wind	62%	34%	4%
225	Waco, TX	Texas	$59.63	$15	Tornado	17%	81%	2%
226	Ocala, FL	Florida	$59.20	$20	Wildfire	64%	35%	1%
227	Beckley, WV	West Virginia	$58.36	$7	Riverine Flooding	60%	40%	0%
228	Alexandria, LA	Louisiana	$58.18	$9	Riverine Flooding	46%	36%	18%
229	Kankakee, IL	Illinois	$57.54	$7	Tornado	49%	45%	6%
230	Raleigh-Cary, NC	North Carolina	$57.39	$65	Hurricane	46%	37%	17%
231	Bluefield, WV-VA	Virginia	$56.95	$6	Riverine Flooding	59%	39%	2%
232	Michigan City-La Porte, IN	Indiana	$56.56	$6	Tornado	46%	49%	4%
233	Greensboro-High Point, NC	North Carolina	$56.28	$41	Drought	44%	25%	30%
234	Claremont-Lebanon, NH-VT	New Hampshire	$56.20	$12	Riverine Flooding	68%	29%	3%
235	Fond du Lac, WI	Wisconsin	$56.16	$6	Tornado	44%	40%	16%
236	Janesville-Beloit, WI	Wisconsin	$55.47	$9	Tornado	42%	48%	9%
237	Kingston, NY	New York	$54.89	$10	Tornado	41%	52%	7%
238	Weirton-Steubenville, WV-OH	Ohio	$54.47	$7	Riverine Flooding	58%	42%	0%
239	Gainesville, GA	Georgia	$54.43	$10	Tornado	44%	53%	3%
240	Charlotte-Concord-Gastonia, NC-SC	North Carolina	$54.22	$120	Tornado	41%	50%	9%
241	Indianapolis-Carmel-Anderson, IN	Indiana	$53.82	$102	Tornado	58%	37%	5%
242	Sheboygan, WI	Wisconsin	$53.04	$6	Tornado	64%	31%	5%
243	Augusta-Waterville, ME	Maine	$52.49	$6	Drought	32%	24%	44%
244	Bend, OR	Oregon	$52.48	$8	Earthquake	79%	20%	0%
245	Saginaw, MI	Michigan	$52.41	$10	Hurricane	61%	35%	4%
246	Athens-Clarke County, GA	Georgia	$51.36	$10	Tornado	46%	39%	15%
247	Scranton--Wilkes-Barre, PA	Pennsylvania	$51.02	$29	Riverine Flooding	77%	22%	0%
248	Atlanta-Sandy Springs-Alpharetta, GA	Georgia	$50.65	$268	Tornado	58%	39%	2%
249	Virginia Beach-Norfolk-Newport News, VA-NC	North Carolina	$50.12	$84	Hurricane	55%	36%	9%
250	Montgomery, AL	Alabama	$50.11	$19	Tornado	35%	54%	10%
251	Ithaca, NY	New York	$49.92	$5	Hurricane	63%	31%	6%
252	Winston-Salem, NC	North Carolina	$48.88	$31	Tornado	54%	33%	14%
253	Chicago-Naperville-Elgin, IL-IN-WI	Illinois	$48.76	$461	Tornado	50%	49%	1%
254	Staunton, VA	Virginia	$48.65	$6	Riverine Flooding	51%	39%	10%
255	East Stroudsburg, PA	Pennsylvania	$48.63	$8	Riverine Flooding	64%	36%	0%
256	North Port-Sarasota-Bradenton, FL	Florida	$48.40	$34	Tornado	40%	45%	15%
257	Boise City, ID	Idaho	$48.06	$30	Wildfire	52%	37%	10%
258	Mansfield, OH	Ohio	$48.01	$6	Riverine Flooding	80%	16%	4%
259	New York-Newark-Jersey City, NY-NJ-PA	New York	$47.72	$934	Coastal Flooding	74%	25%	1%
260	Detroit-Warren-Dearborn, MI	Michigan	$47.66	$205	Riverine Flooding	70%	30%	0%
261	Whitewater-Elkhorn, WI	Wisconsin	$46.44	$5	Tornado	46%	50%	4%
262	Morristown, TN	Tennessee	$46.15	$5	Tornado	42%	45%	13%
263	Johnson City, TN	Tennessee	$46.09	$9	Riverine Flooding	42%	47%	11%
264	Appleton, WI	Wisconsin	$45.74	$10	Tornado	51%	41%	7%
265	Altoona, PA	Pennsylvania	$45.58	$6	Hurricane	64%	33%	4%
266	Monroe, MI	Michigan	$45.49	$7	Tornado	66%	30%	4%
267	Winchester, VA-WV	Virginia	$45.33	$6	Riverine Flooding	48%	43%	9%
268	Tampa-St. Petersburg-Clearwater, FL	Florida	$45.25	$126	Tornado	38%	56%	6%
269	Fort Wayne, IN	Indiana	$45.11	$19	Tornado	47%	37%	16%
270	Cumberland, MD-WV	Maryland	$44.76	$5	Riverine Flooding	61%	37%	2%
271	Reading, PA	Pennsylvania	$44.69	$18	Drought	31%	35%	34%
272	Spartanburg, SC	South Carolina	$44.46	$14	Tornado	64%	35%	1%
273	Grand Rapids-Kentwood, MI	Michigan	$43.61	$43	Hurricane	62%	35%	3%
274	Roanoke, VA	Virginia	$43.50	$13	Hurricane	58%	38%	4%
275	Johnstown, PA	Pennsylvania	$43.47	$6	Hurricane	63%	36%	1%
276	Charlottesville, VA	Virginia	$43.36	$9	Tornado	35%	52%	13%
277	Flint, MI	Michigan	$43.04	$18	Hurricane	70%	30%	0%
278	Bangor, ME	Maine	$43.01	$7	Drought	40%	19%	41%
279	Columbus, OH	Ohio	$42.93	$82	Tornado	67%	31%	2%
280	Macon-Bibb County, GA	Georgia	$42.79	$10	Tornado	49%	42%	8%
281	Philadelphia-Camden-Wilmington, PA-NJ-DE-MD	New Jersey	$42.77	$255	Riverine Flooding	40%	45%	15%
282	Harrisonburg, VA	Virginia	$42.65	$5	Riverine Flooding	55%	36%	9%
283	Tucson, AZ	Arizona	$42.47	$42	Wildfire	69%	21%	10%
284	Lewiston-Auburn, ME	Maine	$42.17	$5	Drought	36%	16%	48%
285	Valdosta, GA	Georgia	$41.62	$6	Tornado	38%	54%	9%
286	Greenville-Anderson, SC	South Carolina	$41.25	$34	Tornado	52%	47%	2%
287	Warner Robins, GA	Georgia	$40.83	$7	Tornado	36%	41%	23%
288	State College, PA	Pennsylvania	$40.71	$6	Hurricane	81%	16%	3%
289	Harrisburg-Carlisle, PA	Pennsylvania	$40.25	$22	Riverine Flooding	56%	40%	4%
290	Yuma, AZ	Arizona	$39.33	$8	Earthquake	73%	27%	0%
291	Lansing-East Lansing, MI	Michigan	$39.18	$18	Tornado	67%	30%	3%
292	Morgantown, WV	West Virginia	$39.05	$5	Hurricane	64%	35%	1%
293	Dayton-Kettering, OH	Ohio	$38.93	$31	Tornado	65%	33%	2%
294	Elkhart-Goshen, IN	Indiana	$38.84	$8	Drought	17%	40%	43%
295	Danville, VA	Virginia	$38.61	$4	Riverine Flooding	55%	38%	6%
296	Las Vegas-Henderson-Paradise, NV	Nevada	$38.52	$75	Earthquake	64%	36%	0%
297	Rochester, NY	New York	$38.37	$41	Hurricane	60%	23%	17%
298	Traverse City, MI	Michigan	$38.15	$5	Hurricane	56%	43%	1%
299	Milwaukee-Waukesha, WI	Wisconsin	$37.89	$59	Tornado	62%	37%	1%
300	El Paso, TX	Texas	$37.89	$30	Riverine Flooding	78%	17%	4%
301	Gettysburg, PA	Pennsylvania	$37.83	$4	Riverine Flooding	32%	51%	17%
302	Eau Claire, WI	Wisconsin	$37.29	$6	Tornado	38%	57%	5%
303	Utica-Rome, NY	New York	$37.08	$11	Riverine Flooding	59%	40%	1%
304	Burlington-South Burlington, VT	Vermont	$36.93	$8	Hurricane	80%	16%	5%
305	Billings, MT	Montana	$36.84	$6	Drought	35%	30%	35%
306	Albuquerque, NM	New Mexico	$36.81	$33	Earthquake	44%	39%	16%
307	Springfield, OH	Ohio	$36.81	$5	Tornado	69%	29%	2%
308	Toledo, OH	Ohio	$35.42	$22	Tornado	60%	38%	2%
309	Richmond, VA	Virginia	$35.28	$43	Tornado	40%	37%	23%
310	Battle Creek, MI	Michigan	$35.19	$5	Strong Wind	58%	39%	3%
311	Kennewick-Richland, WA	Washington	$34.96	$9	Earthquake	49%	29%	22%
312	Visalia, CA	California	$34.83	$15	Earthquake	81%	19%	0%
313	Allentown-Bethlehem-Easton, PA-NJ	New Jersey	$34.76	$29	Riverine Flooding	56%	37%	7%
314	California-Lexington Park, MD	Maryland	$34.70	$4	Tornado	48%	48%	5%
315	Green Bay, WI	Wisconsin	$34.45	$11	Tornado	41%	48%	11%
316	Jamestown-Dunkirk-Fredonia, NY	New York	$34.27	$5	Riverine Flooding	53%	39%	8%
317	Canton-Massillon, OH	Ohio	$34.25	$14	Riverine Flooding	75%	24%	1%
318	Torrington, CT	Connecticut	$33.67	$6	Drought	30%	35%	36%
319	Lima, OH	Ohio	$33.56	$4	Tornado	75%	21%	4%
320	Syracuse, NY	New York	$33.46	$22	Tornado	62%	36%	2%
321	Hagerstown-Martinsburg, MD-WV	Maryland	$33.26	$8	Riverine Flooding	47%	44%	8%
322	Lebanon, PA	Pennsylvania	$33.00	$4	Tornado	24%	48%	27%
323	Wooster, OH	Ohio	$33.00	$4	Tornado	75%	22%	3%
324	Ann Arbor, MI	Michigan	$32.65	$11	Tornado	68%	31%	0%
325	Dover, DE	Delaware	$32.56	$5	Tornado	36%	47%	17%
326	Kingsport-Bristol, TN-VA	Tennessee	$32.37	$10	Tornado	34%	50%	16%
327	Albany-Schenectady-Troy, NY	New York	$32.22	$28	Tornado	42%	56%	2%
328	Phoenix-Mesa-Chandler, AZ	Arizona	$32.11	$135	Drought	52%	9%	40%
329	Jackson, MI	Michigan	$32.10	$5	Tornado	72%	26%	2%
330	Baltimore-Columbia-Towson, MD	Maryland	$31.91	$86	Tornado	47%	42%	10%
331	Racine, WI	Wisconsin	$31.35	$6	Strong Wind	43%	52%	5%
332	Portland-South Portland, ME	Maine	$31.12	$16	Riverine Flooding	70%	23%	7%
333	Blacksburg-Christiansburg, VA	Virginia	$30.60	$5	Riverine Flooding	39%	51%	11%
334	Akron, OH	Ohio	$30.39	$21	Riverine Flooding	82%	18%	0%
335	McAllen-Edinburg-Mission, TX	Texas	$28.71	$22	Hurricane	72%	16%	12%
336	Farmington, NM	New Mexico	$28.23	$4	Drought	17%	21%	62%
337	Salem, OH	Ohio	$28.21	$3	Riverine Flooding	43%	53%	4%
338	Kalamazoo-Portage, MI	Michigan	$27.91	$9	Hail	70%	25%	4%
339	Concord, NH	New Hampshire	$27.71	$4	Riverine Flooding	51%	41%	8%
340	Duluth, MN-WI	Minnesota	$27.67	$8	Riverine Flooding	41%	53%	6%
341	Lynchburg, VA	Virginia	$27.51	$7	Riverine Flooding	42%	48%	10%
342	Youngstown-Warren-Boardman, OH-PA	Ohio	$27.24	$15	Riverine Flooding	56%	42%	2%
343	Ogdensburg-Massena, NY	New York	$27.06	$3	Earthquake	76%	21%	3%
344	Columbus, GA-AL	Alabama	$26.57	$8	Tornado	36%	51%	12%
345	Manchester-Nashua, NH	New Hampshire	$25.60	$10	Earthquake	58%	36%	5%
346	Cleveland-Elyria, OH	Ohio	$25.27	$52	Tornado	64%	35%	1%
347	Niles, MI	Michigan	$25.09	$4	Strong Wind	35%	61%	4%
348	Watertown-Fort Drum, NY	New York	$25.06	$3	Hurricane	62%	28%	10%
349	Wausau, WI	Wisconsin	$24.95	$3	Tornado	35%	46%	19%
350	Tyler, TX	Texas	$24.93	$5	Hurricane	53%	37%	9%
351	Grand Junction, CO	Colorado	$24.23	$4	Riverine Flooding	41%	43%	16%
352	Chambersburg-Waynesboro, PA	Pennsylvania	$24.16	$4	Riverine Flooding	28%	61%	11%
353	Holland, MI	Michigan	$23.05	$3	Riverine Flooding	51%	35%	14%
354	Auburn-Opelika, AL	Alabama	$23.04	$3	Tornado	33%	67%	0%
355	Washington-Arlington-Alexandria, DC-VA-MD-WV	Maryland	$23.02	$130	Tornado	47%	50%	3%
356	Muskegon, MI	Michigan	$22.56	$4	Strong Wind	56%	42%	2%
357	Boston-Cambridge-Newton, MA-NH	Massachusetts	$21.99	$100	Riverine Flooding	48%	43%	9%
358	Pottsville, PA	Pennsylvania	$21.33	$3	Tornado	27%	64%	9%
359	Norwich-New London, CT	Connecticut	$21.32	$6	Riverine Flooding	35%	49%	15%
360	Ashtabula, OH	Ohio	$21.10	$2	Riverine Flooding	69%	28%	4%
361	Spokane-Spokane Valley, WA	Washington	$20.92	$11	Earthquake	48%	50%	2%
362	Pittsfield, MA	Massachusetts	$20.61	$3	Riverine Flooding	38%	59%	3%
363	Pittsburgh, PA	Pennsylvania	$19.25	$45	Riverine Flooding	49%	50%	1%
364	Erie, PA	Pennsylvania	$18.91	$5	Riverine Flooding	61%	36%	3%
365	Hartford-East Hartford-Middletown, CT	Connecticut	$18.67	$23	Drought	46%	25%	30%
366	Barnstable Town, MA	Massachusetts	$18.48	$4	Hurricane	38%	59%	3%
367	Springfield, MA	Massachusetts	$18.42	$11	Drought	42%	30%	28%
368	South Bend-Mishawaka, IN-MI	Indiana	$18.18	$6	Strong Wind	33%	61%	6%
369	Lancaster, PA	Pennsylvania	$17.71	$9	Riverine Flooding	37%	45%	18%
370	Buffalo-Cheektowaga, NY	New York	$15.43	$18	Tornado	35%	61%	4%
371	Worcester, MA-CT	Connecticut	$15.11	$14	Riverine Flooding	47%	36%	16%
372	York-Hanover, PA	Pennsylvania	$14.25	$6	Riverine Flooding	32%	54%	15%
373	Bridgeport-Stamford-Norwalk, CT	Connecticut	$14.01	$13	Strong Wind	55%	42%	3%
374	Coeur d'Alene, ID	Idaho	$13.97	$2	Cold Wave	40%	58%	2%
375	Providence-Warwick, RI-MA	Massachusetts	$13.08	$21	Riverine Flooding	70%	26%	4%
376	New Haven-Milford, CT	Connecticut	$12.63	$11	Tornado	45%	33%	22%
377	Laredo, TX	Texas	$9.55	$2	Riverine Flooding	55%	40%	5%

Methodology

MoneyGeek utilized FEMA’s National Risk Index datasets to calculate and compare the annual expected losses for each metro area. MoneyGeek calculated per capita risk using the population as of 2016.

About Lucia Caldera

Lucia Caldera, the founder of Corporate Media Lab, has 10 years of experience in financial planning, management and advising. She writes finance content for MoneyGeek, using her personal finance background to help readers achieve financial wellness.

Lucia holds a master’s degree in international political economy and development from Fordham University and a bachelor’s degree in economics from Clark University. Her work reflects her passion for using financial education to reduce the wealth gap for women and minorities.

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sources

FEMA. "National Risk Index." Accessed November 11, 2024.
Insurance Information Institute. "What if I can't get coverage?." Accessed November 11, 2024.
Ready. "Severe Weather." Accessed November 11, 2024.