HAZARD
Extreme heat
The quiet, deadliest hazard — and increasingly common. Preparation is mostly about cooling and power.
FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-06
What raises the risk
- More frequent days over 100°F and warmer nights.
- Urban heat islands and limited tree cover.
- Older homes without efficient cooling or shading.
How to prepare
- Ensure reliable cooling and know your nearest public cooling center.
- Improve shading, insulation, and reflective roofing to cut indoor heat.
- Check on older neighbours and those without air conditioning during heat waves.
Insurance
Heat rarely triggers a property claim directly, but it can raise energy costs and stress systems. A professional can advise on efficiency upgrades and any related coverage.
Where Extreme heat risk rates highest
Covered US counties with the highest FEMA Extreme heat risk score (a national percentile):
- Cook County, IL100
- Harris County, TX100
- Maricopa County, AZ100
- Dallas County, TX100
- Clark County, NV100
- Philadelphia County, PA100
- Kings County, NY100
- Queens County, NY100
General information, not insurance or financial advice. Risk varies by specific property — confirm your coverage and needs with a licensed professional.
