Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in California
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.
California ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Del Norte County | $14,798 | Relatively High | $319,600 |
| 2 | Alpine County | $10,117 | Very Low | $466,100 |
| 3 | Sierra County | $6,980 | Very Low | $334,100 |
| 4 | Colusa County | $5,442 | Relatively Moderate | $375,100 |
| 5 | Trinity County | $5,421 | Relatively Low | $329,000 |
| 6 | Plumas County | $5,098 | Relatively Moderate | $327,400 |
| 7 | Mariposa County | $5,069 | Relatively Moderate | $358,000 |
| 8 | Glenn County | $4,191 | Relatively Low | $338,400 |
| 9 | San Benito County | $3,963 | Relatively Moderate | $751,500 |
| 10 | Lake County | $3,832 | Relatively Moderate | $316,800 |
| 11 | Napa County | $3,746 | Relatively High | $838,800 |
| 12 | Madera County | $3,630 | Relatively High | $367,700 |
| 13 | Inyo County | $3,574 | Relatively Low | $338,400 |
| 14 | Santa Cruz County | $3,462 | Relatively High | $1,015,200 |
| 15 | Humboldt County | $3,438 | Relatively High | $418,800 |
| 16 | Mendocino County | $3,376 | Relatively High | $486,000 |
| 17 | Santa Barbara County | $3,204 | Relatively High | $735,700 |
| 18 | Alameda County | $3,178 | Very High | $1,057,400 |
| 19 | Sonoma County | $3,174 | Relatively High | $779,000 |
| 20 | San Bernardino County | $3,106 | Very High | $475,000 |
| 21 | Monterey County | $3,047 | Relatively High | $723,100 |
| 22 | Mono County | $3,022 | Relatively Low | $514,300 |
| 23 | Imperial County | $3,021 | Relatively High | $279,500 |
| 24 | Siskiyou County | $3,014 | Relatively Moderate | $284,500 |
| 25 | Modoc County | $3,004 | Very Low | $212,000 |
| 26 | Santa Clara County | $3,003 | Very High | $1,382,800 |
| 27 | Calaveras County | $2,986 | Relatively Moderate | $441,800 |
| 28 | Riverside County | $2,972 | Very High | $510,300 |
| 29 | Tehama County | $2,812 | Relatively Moderate | $315,600 |
| 30 | Lassen County | $2,802 | Relatively Low | $259,500 |
| 31 | San Mateo County | $2,798 | Relatively High | $1,494,500 |
| 32 | Ventura County | $2,741 | Relatively High | $768,400 |
| 33 | Marin County | $2,513 | Relatively High | $1,390,000 |
| 34 | Merced County | $2,420 | Relatively High | $368,400 |
| 35 | Amador County | $2,417 | Relatively Low | $422,800 |
| 36 | Contra Costa County | $2,358 | Very High | $830,800 |
| 37 | San Francisco County | $2,353 | Very High | $1,380,500 |
| 38 | Los Angeles County | $2,242 | Very High | $783,300 |
| 39 | Tuolumne County | $2,216 | Relatively Moderate | $406,200 |
| 40 | Kings County | $2,195 | Relatively Moderate | $305,700 |
| 41 | San Luis Obispo County | $1,964 | Relatively High | $777,200 |
| 42 | Nevada County | $1,924 | Relatively Moderate | $602,800 |
| 43 | Shasta County | $1,896 | Relatively Moderate | $347,200 |
| 44 | Solano County | $1,875 | Relatively High | $589,600 |
| 45 | Orange County | $1,793 | Very High | $915,500 |
| 46 | San Joaquin County | $1,748 | Relatively High | $494,500 |
| 47 | Fresno County | $1,730 | Relatively High | $362,600 |
| 48 | Yuba County | $1,651 | Relatively Low | $380,000 |
| 49 | El Dorado County | $1,641 | Relatively Moderate | $640,500 |
| 50 | Butte County | $1,544 | Relatively Moderate | $408,700 |
| 51 | Yolo County | $1,517 | Relatively Moderate | $593,800 |
| 52 | Tulare County | $1,507 | Relatively High | $303,000 |
| 53 | Stanislaus County | $1,501 | Relatively High | $426,600 |
| 54 | Kern County | $1,482 | Relatively High | $310,600 |
| 55 | Sutter County | $1,348 | Relatively Moderate | $399,400 |
| 56 | San Diego County | $1,327 | Very High | $791,600 |
| 57 | Placer County | $1,046 | Relatively Moderate | $658,800 |
| 58 | Sacramento County | $620 | Relatively High | $498,900 |
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.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in California