Skip to content
EN
HomeRiskAtlas

CLIMATE & HAZARD RISK, FOR ANY US HOME

Know the ground.

Wildfire, flood, heat, hurricane and eleven more — the natural hazards that shape where you live, in a calm, factual scorecard from the FEMA National Risk Index. 22,567 ZIPs · 1,200 counties · 15 hazards. No fear, no upsell.

CHECK YOUR ADDRESS · FEMA NATIONAL RISK INDEX

22,567 ZIPs across 1200 US counties — mapped to the FEMA National Risk Index (Census ZCTA crosswalk).
Los Angeles County, CAOverall riskVery high100th pct nationallyFull 15-hazard scorecard →

WHAT'S INSIDE

An honest map of natural-hazard risk

Every scorecard reads from the FEMA National Risk Index — a public model that weighs a hazard's expected annual loss, a community's vulnerability, and its resilience into one comparable score for every US county. We cover the 1,200 most-populous counties in detail and roll up all 3,144 rated counties into state summaries. Nothing here is invented; every number carries its source and date.

SCORECARDCheck a ZIP or countyA calm per-location read: composite risk plus every hazard that shapes it.Open →THE INDEXAll 1200 countiesBrowse and rank the covered counties by overall risk percentile.Open →ROLL-UPSRisk by stateHow each state's counties distribute across the risk scale, with its dominant hazards.Open →SIDE BY SIDECompare two countiesPut any two counties next to each other, hazard by hazard.Open →PREPAREBuild a prep checklistPick a location's hazards and home type for an ordered, printable plan.Open →HONESTYHow this worksWhere the numbers come from, what a percentile means, and what it doesn't.Open →

HIGHEST OVERALL RISK

Counties at the top of the scale

Of 1,200 covered counties, 178 rate elevated or higher. A high score often reflects how much is exposed, not just how likely a hazard is.

Browse all 1,200 counties →

THE 15 HAZARDS WE TRACK

Each hazard, explained calmly

What raises the risk, how to prepare, and how insurance really works — grounded in FEMA and Ready.gov guidance, never a fear-based upsell.

Wildfire

Where homes meet wildland, embers — not just flames — drive most losses.

How to prepare →

Flooding

The most common and costly US disaster — and standard home policies usually exclude it.

How to prepare →

Hurricane

Wind, surge, and inland flooding combine — coastal exposure is the biggest driver.

How to prepare →

Tornado

Fast and localized — the priority is a safe place to shelter and a way to get warned in time.

How to prepare →

Extreme heat

The quiet, deadliest hazard — and increasingly common. Preparation is mostly about cooling and power.

How to prepare →

Earthquake

Rare but sudden — most injuries come from falling objects, and most policies exclude the shaking.

How to prepare →

Drought

Slow-moving — it stresses water supply, foundations, and raises wildfire risk downstream.

How to prepare →

Winter weather

Freezing, snow load, and ice — the common home losses are burst pipes and roof stress.

How to prepare →

Coastal flooding

Storm surge, high tides, and rising sea levels can push saltwater into low-lying coastal communities.

How to prepare →

Landslide

Heavy rain and steep terrain can destabilize hillsides, causing soil and rock to shift downslope.

How to prepare →

Hail

Large hail stones from severe thunderstorms can puncture roofs, dent siding, and break windows.

How to prepare →

Lightning

Lightning strikes can ignite fires, damage electrical systems, and harm occupants in open or elevated structures.

How to prepare →

Avalanche

Unstable snowpack on steep mountain slopes can collapse and rush downhill, burying homes and infrastructure.

How to prepare →

Strong wind

Straight-line winds and derechos—widespread windstorms—can topple trees, damage roofing, and compromise structural integrity.

How to prepare →

Ice storm

Freezing rain deposits ice on trees, power lines, and roofs, increasing structural loads and causing outages.

How to prepare →

STATES TO KNOW

Where elevated-risk counties cluster

California

31 of 58 counties elevated+Flooding · Drought · Wildfire

Florida

21 of 67 counties elevated+Lightning · Hurricane · Tornado

Texas

16 of 254 counties elevated+Drought · Tornado · Lightning

New Jersey

9 of 21 counties elevated+Strong wind · Winter weather · Lightning

New York

8 of 62 counties elevated+Lightning · Winter weather · Ice storm

Louisiana

7 of 64 counties elevated+Lightning · Hurricane · Ice storm

All 51 state roll-ups →

Risk estimates come from a public model (the FEMA National Risk Index), not a guarantee for any specific home. Ratings are national percentiles as of 2026-07-10. Verify your insurance needs with a licensed professional. How this works →

WhichCityFitsWhich US city actually fits you?Find your city