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