Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in New York
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.
New York ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Hamilton County | $2,627 | Very Low | $242,000 |
| 2 | Delaware County | $1,873 | Relatively Moderate | $176,200 |
| 3 | Allegany County | $1,577 | Relatively Low | $97,900 |
| 4 | Otsego County | $1,393 | Relatively Low | $175,900 |
| 5 | Greene County | $1,388 | Relatively Low | $248,300 |
| 6 | Chenango County | $1,366 | Relatively Low | $128,100 |
| 7 | Essex County | $1,283 | Relatively Low | $200,000 |
| 8 | Sullivan County | $1,208 | Relatively Low | $234,800 |
| 9 | Yates County | $1,097 | Relatively Low | $178,000 |
| 10 | Cattaraugus County | $1,062 | Relatively Moderate | $109,400 |
| 11 | Schoharie County | $1,051 | Very Low | $182,000 |
| 12 | Montgomery County | $1,035 | Relatively Low | $141,600 |
| 13 | Tioga County | $988 | Relatively Low | $153,200 |
| 14 | Columbia County | $944 | Relatively Low | $309,800 |
| 15 | Wyoming County | $925 | Very Low | $154,700 |
| 16 | Ulster County | $919 | Relatively Moderate | $315,100 |
| 17 | Cortland County | $913 | Relatively Low | $158,100 |
| 18 | Madison County | $898 | Relatively Low | $176,800 |
| 19 | Steuben County | $847 | Relatively Low | $128,600 |
| 20 | Warren County | $846 | Relatively Low | $247,600 |
| 21 | Herkimer County | $843 | Relatively Low | $135,000 |
| 22 | Clinton County | $842 | Relatively Low | $175,100 |
| 23 | Lewis County | $834 | Very Low | $158,000 |
| 24 | Chautauqua County | $813 | Relatively Moderate | $119,300 |
| 25 | Schuyler County | $809 | Very Low | $163,300 |
| 26 | Tompkins County | $805 | Relatively Low | $271,500 |
| 27 | Washington County | $801 | Relatively Low | $185,000 |
| 28 | Genesee County | $770 | Relatively Low | $157,800 |
| 29 | St. Lawrence County | $766 | Relatively Low | $119,800 |
| 30 | Cayuga County | $759 | Relatively Low | $164,200 |
| 31 | Livingston County | $759 | Relatively Low | $169,600 |
| 32 | Franklin County | $743 | Relatively Low | $128,600 |
| 33 | Rensselaer County | $740 | Relatively Moderate | $244,300 |
| 34 | Dutchess County | $740 | Relatively Moderate | $368,100 |
| 35 | Broome County | $735 | Relatively Moderate | $145,100 |
| 36 | Fulton County | $732 | Relatively Low | $156,100 |
| 37 | Orange County | $719 | Relatively Moderate | $361,100 |
| 38 | Seneca County | $718 | Very Low | $142,700 |
| 39 | Erie County | $700 | Relatively High | $217,400 |
| 40 | Nassau County | $655 | Relatively High | $658,700 |
| 41 | Suffolk County | $626 | Relatively High | $539,500 |
| 42 | Rockland County | $586 | Relatively Moderate | $564,200 |
| 43 | Oneida County | $581 | Relatively Moderate | $171,100 |
| 44 | Putnam County | $578 | Very Low | $448,000 |
| 45 | Niagara County | $573 | Relatively Moderate | $177,400 |
| 46 | Westchester County | $567 | Relatively High | $638,400 |
| 47 | Oswego County | $565 | Relatively Low | $139,600 |
| 48 | Ontario County | $559 | Relatively Low | $202,900 |
| 49 | Jefferson County | $551 | Relatively Low | $181,000 |
| 50 | Saratoga County | $531 | Relatively Low | $324,800 |
| 51 | Onondaga County | $529 | Relatively Moderate | $185,300 |
| 52 | Chemung County | $519 | Relatively Low | $132,100 |
| 53 | Wayne County | $498 | Relatively Low | $163,400 |
| 54 | Schenectady County | $488 | Relatively Low | $223,100 |
| 55 | Albany County | $484 | Relatively Moderate | $277,400 |
| 56 | Richmond County | $483 | Relatively Moderate | $658,500 |
| 57 | Queens County | $455 | Relatively High | $699,200 |
| 58 | Monroe County | $446 | Relatively Moderate | $197,100 |
| 59 | Orleans County | $428 | Very Low | $126,200 |
| 60 | Bronx County | $400 | Relatively High | $517,000 |
| 61 | New York County | $396 | Relatively High | $1,108,900 |
| 62 | Kings County | $371 | Relatively High | $889,700 |
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 New York