Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in California
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. 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.
California ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Sacramento County | $620 | Relatively High | $498,900 |
| 2 | Placer County | $1,046 | Relatively Moderate | $658,800 |
| 3 | San Diego County | $1,327 | Very High | $791,600 |
| 4 | Sutter County | $1,348 | Relatively Moderate | $399,400 |
| 5 | Kern County | $1,482 | Relatively High | $310,600 |
| 6 | Stanislaus County | $1,501 | Relatively High | $426,600 |
| 7 | Tulare County | $1,507 | Relatively High | $303,000 |
| 8 | Yolo County | $1,517 | Relatively Moderate | $593,800 |
| 9 | Butte County | $1,544 | Relatively Moderate | $408,700 |
| 10 | El Dorado County | $1,641 | Relatively Moderate | $640,500 |
| 11 | Yuba County | $1,651 | Relatively Low | $380,000 |
| 12 | Fresno County | $1,730 | Relatively High | $362,600 |
| 13 | San Joaquin County | $1,748 | Relatively High | $494,500 |
| 14 | Orange County | $1,793 | Very High | $915,500 |
| 15 | Solano County | $1,875 | Relatively High | $589,600 |
| 16 | Shasta County | $1,896 | Relatively Moderate | $347,200 |
| 17 | Nevada County | $1,924 | Relatively Moderate | $602,800 |
| 18 | San Luis Obispo County | $1,964 | Relatively High | $777,200 |
| 19 | Kings County | $2,195 | Relatively Moderate | $305,700 |
| 20 | Tuolumne County | $2,216 | Relatively Moderate | $406,200 |
| 21 | Los Angeles County | $2,242 | Very High | $783,300 |
| 22 | San Francisco County | $2,353 | Very High | $1,380,500 |
| 23 | Contra Costa County | $2,358 | Very High | $830,800 |
| 24 | Amador County | $2,417 | Relatively Low | $422,800 |
| 25 | Merced County | $2,420 | Relatively High | $368,400 |
| 26 | Marin County | $2,513 | Relatively High | $1,390,000 |
| 27 | Ventura County | $2,741 | Relatively High | $768,400 |
| 28 | San Mateo County | $2,798 | Relatively High | $1,494,500 |
| 29 | Lassen County | $2,802 | Relatively Low | $259,500 |
| 30 | Tehama County | $2,812 | Relatively Moderate | $315,600 |
| 31 | Riverside County | $2,972 | Very High | $510,300 |
| 32 | Calaveras County | $2,986 | Relatively Moderate | $441,800 |
| 33 | Santa Clara County | $3,003 | Very High | $1,382,800 |
| 34 | Modoc County | $3,004 | Very Low | $212,000 |
| 35 | Siskiyou County | $3,014 | Relatively Moderate | $284,500 |
| 36 | Imperial County | $3,021 | Relatively High | $279,500 |
| 37 | Mono County | $3,022 | Relatively Low | $514,300 |
| 38 | Monterey County | $3,047 | Relatively High | $723,100 |
| 39 | San Bernardino County | $3,106 | Very High | $475,000 |
| 40 | Sonoma County | $3,174 | Relatively High | $779,000 |
| 41 | Alameda County | $3,178 | Very High | $1,057,400 |
| 42 | Santa Barbara County | $3,204 | Relatively High | $735,700 |
| 43 | Mendocino County | $3,376 | Relatively High | $486,000 |
| 44 | Humboldt County | $3,438 | Relatively High | $418,800 |
| 45 | Santa Cruz County | $3,462 | Relatively High | $1,015,200 |
| 46 | Inyo County | $3,574 | Relatively Low | $338,400 |
| 47 | Madera County | $3,630 | Relatively High | $367,700 |
| 48 | Napa County | $3,746 | Relatively High | $838,800 |
| 49 | Lake County | $3,832 | Relatively Moderate | $316,800 |
| 50 | San Benito County | $3,963 | Relatively Moderate | $751,500 |
| 51 | Glenn County | $4,191 | Relatively Low | $338,400 |
| 52 | Mariposa County | $5,069 | Relatively Moderate | $358,000 |
| 53 | Plumas County | $5,098 | Relatively Moderate | $327,400 |
| 54 | Trinity County | $5,421 | Relatively Low | $329,000 |
| 55 | Colusa County | $5,442 | Relatively Moderate | $375,100 |
| 56 | Sierra County | $6,980 | Very Low | $334,100 |
| 57 | Alpine County | $10,117 | Very Low | $466,100 |
| 58 | Del Norte County | $14,798 | Relatively High | $319,600 |
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.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in California