Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in America
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Top 100
| # | County | State | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|---|
| 1 | Aleutians West Census Area | AK | $29,942 | Relatively Low | $419,100 |
| 2 | San Juan County | CO | $19,181 | Very Low | $406,900 |
| 3 | Parmer County | TX | $15,063 | Relatively Moderate | $127,300 |
| 4 | Del Norte County | CA | $14,798 | Relatively High | $319,600 |
| 5 | Wibaux County | MT | $14,334 | Very Low | $92,300 |
| 6 | Cimarron County | OK | $13,924 | Relatively Low | $94,500 |
| 7 | Dewey County | SD | $13,144 | Relatively Low | $75,400 |
| 8 | Sherman County | TX | $12,680 | Very Low | $125,500 |
| 9 | Sioux County | ND | $11,661 | Relatively Low | $87,400 |
| 10 | Roberts County | TX | $11,319 | Very Low | $176,800 |
| 11 | Borden County | TX | $11,158 | Very Low | $105,400 |
| 12 | Briscoe County | TX | $10,599 | Very Low | $82,900 |
| 13 | Mineral County | CO | $10,497 | Very Low | $413,000 |
| 14 | Alpine County | CA | $10,117 | Very Low | $466,100 |
| 15 | Brule County | SD | $9,925 | Relatively Low | $205,500 |
| 16 | Pacific County | WA | $9,891 | Relatively Moderate | $274,000 |
| 17 | McCook County | SD | $9,641 | Relatively Low | $217,300 |
| 18 | Daggett County | UT | $9,464 | Very Low | $242,100 |
| 19 | Camas County | ID | $9,161 | Very Low | $248,900 |
| 20 | Webster County | NE | $9,156 | Relatively Low | $102,000 |
| 21 | Wheeler County | NE | $8,801 | Very Low | $135,900 |
| 22 | Reynolds County | MO | $8,667 | Relatively Low | $119,900 |
| 23 | Harlan County | NE | $8,638 | Very Low | $147,200 |
| 24 | Hartley County | TX | $8,561 | Very Low | $213,200 |
| 25 | Buffalo County | SD | $8,553 | Very Low | $108,000 |
| 26 | Armstrong County | TX | $8,443 | Very Low | $185,700 |
| 27 | Sully County | SD | $8,357 | Very Low | $198,700 |
| 28 | Florence County | WI | $8,324 | Relatively Low | $170,000 |
| 29 | Petroleum County | MT | $8,236 | Very Low | $173,700 |
| 30 | Clay County | NE | $8,146 | Relatively Low | $146,300 |
| 31 | Harper County | OK | $8,133 | Relatively Low | $99,300 |
| 32 | Greeley County | NE | $8,041 | Very Low | $87,800 |
| 33 | Clatsop County | OR | $8,019 | Relatively High | $437,800 |
| 34 | Gosper County | NE | $7,925 | Very Low | $202,700 |
| 35 | Collingsworth County | TX | $7,923 | Very Low | $108,400 |
| 36 | Lipscomb County | TX | $7,887 | Very Low | $128,400 |
| 37 | Barber County | KS | $7,815 | Very Low | $92,700 |
| 38 | Aurora County | SD | $7,812 | Very Low | $129,000 |
| 39 | Emmons County | ND | $7,800 | Relatively Low | $112,400 |
| 40 | Jackson County | CO | $7,758 | Very Low | $250,000 |
| 41 | Issaquena County | MS | $7,671 | Very Low | $90,700 |
| 42 | Comanche County | KS | $7,480 | Very Low | $59,900 |
| 43 | Hyde County | NC | $7,349 | Relatively Low | $119,600 |
| 44 | Floyd County | KY | $7,297 | Relatively Moderate | $93,300 |
| 45 | Golden Valley County | ND | $7,191 | Very Low | $119,200 |
| 46 | Beaver County | OK | $7,105 | Very Low | $117,900 |
| 47 | Grays Harbor County | WA | $7,069 | Relatively High | $279,500 |
| 48 | Sierra County | CA | $6,980 | Very Low | $334,100 |
| 49 | Copper River Census Area | AK | $6,976 | Very Low | $246,700 |
| 50 | Franklin County | NE | $6,881 | Very Low | $99,100 |
| 51 | Yakutat City and Borough | AK | $6,837 | Very Low | $185,000 |
| 52 | Hodgeman County | KS | $6,805 | Very Low | $92,700 |
| 53 | Furnas County | NE | $6,734 | Relatively Low | $91,800 |
| 54 | Oldham County | TX | $6,719 | Very Low | $144,800 |
| 55 | Hansford County | TX | $6,542 | Very Low | $132,100 |
| 56 | McIntosh County | ND | $6,515 | Very Low | $80,300 |
| 57 | Garfield County | MT | $6,500 | Very Low | $178,300 |
| 58 | Tyrrell County | NC | $6,479 | Relatively Low | $138,400 |
| 59 | Jim Hogg County | TX | $6,420 | Relatively Low | $125,600 |
| 60 | Corson County | SD | $6,390 | Very Low | $73,800 |
| 61 | Nance County | NE | $6,374 | Very Low | $122,800 |
| 62 | Hutchinson County | SD | $6,372 | Relatively Low | $160,500 |
| 63 | Haakon County | SD | $6,371 | Very Low | $153,200 |
| 64 | Sherman County | NE | $6,309 | Very Low | $135,000 |
| 65 | Kiowa County | KS | $6,304 | Very Low | $152,400 |
| 66 | Ziebach County | SD | $6,245 | Very Low | $101,700 |
| 67 | Roosevelt County | NM | $6,241 | Relatively Moderate | $136,000 |
| 68 | Sheridan County | ND | $6,241 | Very Low | $107,700 |
| 69 | Campbell County | SD | $6,110 | Very Low | $87,900 |
| 70 | Thayer County | NE | $6,098 | Very Low | $106,200 |
| 71 | Banner County | NE | $6,076 | Very Low | $166,300 |
| 72 | Storey County | NV | $6,051 | Very Low | $393,100 |
| 73 | Polk County | NE | $6,048 | Very Low | $177,800 |
| 74 | Jewell County | KS | $6,035 | Very Low | $62,100 |
| 75 | Edwards County | KS | $6,017 | Very Low | $70,500 |
| 76 | Dallam County | TX | $5,997 | Relatively Low | $140,500 |
| 77 | Iron County | MO | $5,983 | Relatively Low | $113,000 |
| 78 | Steele County | ND | $5,933 | Very Low | $120,400 |
| 79 | Glasscock County | TX | $5,927 | Very Low | $248,600 |
| 80 | Jones County | SD | $5,903 | Very Low | $117,100 |
| 81 | Hamilton County | NE | $5,842 | Very Low | $238,700 |
| 82 | Boone County | NE | $5,840 | Relatively Low | $164,700 |
| 83 | Pulaski County | IL | $5,803 | Relatively Low | $81,000 |
| 84 | Adams County | ID | $5,775 | Very Low | $327,300 |
| 85 | Kiowa County | CO | $5,770 | Very Low | $148,600 |
| 86 | Hall County | TX | $5,765 | Very Low | $80,200 |
| 87 | Dawson County | MT | $5,761 | Relatively Low | $187,400 |
| 88 | Kusilvak Census Area | AK | $5,750 | Relatively Low | $72,700 |
| 89 | Clark County | ID | $5,726 | Very Low | $203,000 |
| 90 | Stanton County | KS | $5,656 | Very Low | $64,200 |
| 91 | Jackson County | OK | $5,560 | Relatively Moderate | $145,000 |
| 92 | Cottle County | TX | $5,536 | Very Low | $54,100 |
| 93 | Donley County | TX | $5,520 | Very Low | $90,500 |
| 94 | Gray County | KS | $5,502 | Very Low | $174,700 |
| 95 | Kodiak Island Borough | AK | $5,498 | Relatively Low | $382,700 |
| 96 | Custer County | ID | $5,490 | Relatively Low | $295,600 |
| 97 | Foard County | TX | $5,472 | Very Low | $71,400 |
| 98 | Northwest Arctic Borough | AK | $5,463 | Relatively Low | $162,500 |
| 99 | Colusa County | CA | $5,442 | Relatively Moderate | $375,100 |
| 100 | Carter County | MO | $5,433 | Relatively Low | $147,600 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Highest Expected Disaster Loss per Household by state
The same ranking within a single state.
Alabama67Alaska26Arizona15Arkansas75California58Colorado64Florida67Georgia159Idaho44Illinois102Indiana92Iowa99Kansas105Kentucky120Louisiana64Maine16Maryland24Massachusetts14Michigan83Minnesota87Mississippi82Missouri115Montana56Nebraska93Nevada16New Jersey21New Mexico33New York62North Carolina100North Dakota53Ohio88Oklahoma77Oregon36Pennsylvania67South Carolina46South Dakota65Tennessee95Texas250Utah29Vermont14Virginia133Washington39West Virginia55Wisconsin72Wyoming23