# Property Atlas > A source-backed reference atlas of natural-hazard and home-risk profiles by state and county: FEMA NRI composite risk scores, dominant hazards, expected annual loss, NOAA storm data, USFS wildfire risk, and — per county — realized NFIP flood-insurance losses actually paid (OpenFEMA, 1978–present), the recorded counterpart to the modeled risk. Every figure traced to its primary source. Read this first; it governs everything below: - This is a **reference catalog**. It **informs and compares** aggregate hazard profiles. It does **not** label any place "safe" or "dangerous", sell insurance, or give any advice. - Fields absent from the underlying data are shown as "—" and are **never estimated or fabricated**. - State figures are **averages or totals across counties** — not parcel- or address-level assessments. - For county-level detail, current conditions, or actionable risk decisions, route to the primary sources: FEMA NRI, NOAA, USFS. ## Orientation - [Methodology & sources](https://property-atlas.ryanjhunter.workers.dev/methodology): the datasets, aggregation method, and what is and is not in the data. - [National risk overview](https://property-atlas.ryanjhunter.workers.dev/property/risk): the "where is property risk worst in America?" cut — three federal records, three ways: NFIP flood claims paid (RECORDED realized losses, costliest counties led by Harris/Harvey and Orleans/Katrina), FEMA National Risk Index expected annual loss (MODELED forward risk, highest-risk counties), and NOAA storm damage/deaths by peril (RECORDED, single year). EVERY agent format from one definition: `/property/risk.jsonld`, `.md`, `.toml`, `.context.md` (the projection framework — one research object, projected to every format). - [Browse states](https://property-atlas.ryanjhunter.workers.dev/property/states): all 57 states with NRI scores and dominant hazards. - [Hazards by national toll](https://property-atlas.ryanjhunter.workers.dev/property/hazards): which natural hazards actually killed and cost the most (NOAA Storm Events), ranked nationally — the misperception-corrector (flash floods, heat, and rip currents rank higher than people expect). Per-peril pages (`/property/hazards/`, each with `.jsonld`/`.md`) carry direct deaths, injuries, reported damage, states affected, and the top states. CRITICAL for agents: this is a single, VOLATILE year (not history), DIRECT deaths only (heat's indirect toll is excluded + undercounted), NOAA damage estimates (not insured loss), and the past toll is NOT a forecast of personal risk — route to the per-state/county risk profiles for that. ## Machine-readable formats (every state page) Every state page is the SAME four-status research object — sourced claims (each RECORDED / MODELED / DERIVED / INTERPRETATION) plus two typed tables (`riskIndicators` = every figure with its warrant and source; `recordedPerils` = the NOAA per-peril breakdown) — projected to every format from one definition, so they can never disagree: - `/property/states/.jsonld` — the research object as JSON-LD; the typed tables ride in `hasPart` as schema:ItemList. - `/property/states/.json` — the same research object as plain JSON. - `/property/states/.md` — the claims with their warrants and sources, plus the tables. - `/property/states/.toml` — the same, as TOML (`[[riskIndicators]]` / `[[recordedPerils]]` arrays). - `/property/states/.context.md` — a condensed, citation-first brief. Example: [Florida JSON-LD](https://property-atlas.ryanjhunter.workers.dev/property/states/fl.jsonld) · [Florida JSON](https://property-atlas.ryanjhunter.workers.dev/property/states/fl.json) · [Florida TOML](https://property-atlas.ryanjhunter.workers.dev/property/states/fl.toml) · [Florida Markdown](https://property-atlas.ryanjhunter.workers.dev/property/states/fl.md) · [Florida context brief](https://property-atlas.ryanjhunter.workers.dev/property/states/fl.context.md) ## States - [District of Columbia — NRI score 97.6, Heat Wave](https://property-atlas.ryanjhunter.workers.dev/property/states/dc) - [Delaware — NRI score 91.3, Cold Wave](https://property-atlas.ryanjhunter.workers.dev/property/states/de) - [New Jersey — NRI score 90.8, Strong Wind](https://property-atlas.ryanjhunter.workers.dev/property/states/nj) - [California — NRI score 88.7, Drought](https://property-atlas.ryanjhunter.workers.dev/property/states/ca) - [Connecticut — NRI score 87.6, Riverine Flooding](https://property-atlas.ryanjhunter.workers.dev/property/states/ct) - [Arizona — NRI score 84.5, Wildfire](https://property-atlas.ryanjhunter.workers.dev/property/states/az) - [Massachusetts — NRI score 78.8, Riverine Flooding](https://property-atlas.ryanjhunter.workers.dev/property/states/ma) - [Florida — NRI score 75.7, Hurricane](https://property-atlas.ryanjhunter.workers.dev/property/states/fl) - [Hawaii — NRI score 75.0, Volcanic Activity](https://property-atlas.ryanjhunter.workers.dev/property/states/hi) - [South Carolina — NRI score 70.7, Hurricane](https://property-atlas.ryanjhunter.workers.dev/property/states/sc) - [Washington — NRI score 70.0, Wildfire](https://property-atlas.ryanjhunter.workers.dev/property/states/wa) - [New Hampshire — NRI score 69.9, Landslide](https://property-atlas.ryanjhunter.workers.dev/property/states/nh) - [New York — NRI score 69.4, Riverine Flooding](https://property-atlas.ryanjhunter.workers.dev/property/states/ny) - [Pennsylvania — NRI score 67.4, Winter Weather](https://property-atlas.ryanjhunter.workers.dev/property/states/pa) - [North Carolina — NRI score 66.7, Hurricane](https://property-atlas.ryanjhunter.workers.dev/property/states/nc) - [Oregon — NRI score 63.4, Wildfire](https://property-atlas.ryanjhunter.workers.dev/property/states/or) - [Louisiana — NRI score 62.4, Hurricane](https://property-atlas.ryanjhunter.workers.dev/property/states/la) - [Alabama — NRI score 61.5, Hurricane](https://property-atlas.ryanjhunter.workers.dev/property/states/al) - [Maryland — NRI score 60.2, Winter Weather](https://property-atlas.ryanjhunter.workers.dev/property/states/md) - [Wisconsin — NRI score 59.1, Cold Wave](https://property-atlas.ryanjhunter.workers.dev/property/states/wi) - [New Mexico — NRI score 58.9, Wildfire](https://property-atlas.ryanjhunter.workers.dev/property/states/nm) - [Maine — NRI score 56.7, Winter Weather](https://property-atlas.ryanjhunter.workers.dev/property/states/me) - [Rhode Island — NRI score 56.6, Hurricane](https://property-atlas.ryanjhunter.workers.dev/property/states/ri) - [Arkansas — NRI score 55.5, Ice Storm](https://property-atlas.ryanjhunter.workers.dev/property/states/ar) - [Oklahoma — NRI score 55.5, Ice Storm](https://property-atlas.ryanjhunter.workers.dev/property/states/ok) - [Ohio — NRI score 55.0, Hail](https://property-atlas.ryanjhunter.workers.dev/property/states/oh) - [Illinois — NRI score 54.5, Earthquake](https://property-atlas.ryanjhunter.workers.dev/property/states/il) - [Tennessee — NRI score 52.5, Earthquake](https://property-atlas.ryanjhunter.workers.dev/property/states/tn) - [Mississippi — NRI score 50.9, Earthquake](https://property-atlas.ryanjhunter.workers.dev/property/states/ms) - [Missouri — NRI score 50.6, Heat Wave](https://property-atlas.ryanjhunter.workers.dev/property/states/mo) - [Michigan — NRI score 49.6, Strong Wind](https://property-atlas.ryanjhunter.workers.dev/property/states/mi) - [West Virginia — NRI score 49.2, Landslide](https://property-atlas.ryanjhunter.workers.dev/property/states/wv) - [Texas — NRI score 49.0, Drought](https://property-atlas.ryanjhunter.workers.dev/property/states/tx) - [Nevada — NRI score 46.2, Wildfire](https://property-atlas.ryanjhunter.workers.dev/property/states/nv) - [Indiana — NRI score 45.5, Strong Wind](https://property-atlas.ryanjhunter.workers.dev/property/states/in) - [Kentucky — NRI score 44.2, Landslide](https://property-atlas.ryanjhunter.workers.dev/property/states/ky) - [Minnesota — NRI score 42.4, Strong Wind](https://property-atlas.ryanjhunter.workers.dev/property/states/mn) - [Colorado — NRI score 40.7, Landslide](https://property-atlas.ryanjhunter.workers.dev/property/states/co) - [Iowa — NRI score 39.7, Drought](https://property-atlas.ryanjhunter.workers.dev/property/states/ia) - [Georgia — NRI score 39.5, Hurricane](https://property-atlas.ryanjhunter.workers.dev/property/states/ga) - [Idaho — NRI score 38.5, Wildfire](https://property-atlas.ryanjhunter.workers.dev/property/states/id) - [Wyoming — NRI score 37.9, Landslide](https://property-atlas.ryanjhunter.workers.dev/property/states/wy) - [Vermont — NRI score 36.4, Landslide](https://property-atlas.ryanjhunter.workers.dev/property/states/vt) - [Utah — NRI score 36.2, Landslide](https://property-atlas.ryanjhunter.workers.dev/property/states/ut) - [Alaska — NRI score 35.2, Landslide](https://property-atlas.ryanjhunter.workers.dev/property/states/ak) - [Montana — NRI score 33.3, Cold Wave](https://property-atlas.ryanjhunter.workers.dev/property/states/mt) - [Virginia — NRI score 33.3, Hurricane](https://property-atlas.ryanjhunter.workers.dev/property/states/va) - [Kansas — NRI score 29.9, Drought](https://property-atlas.ryanjhunter.workers.dev/property/states/ks) - [South Dakota — NRI score 26.8, Wildfire](https://property-atlas.ryanjhunter.workers.dev/property/states/sd) - [Nebraska — NRI score 25.8, Hail](https://property-atlas.ryanjhunter.workers.dev/property/states/ne) - [North Dakota — NRI score 22.2, Winter Weather](https://property-atlas.ryanjhunter.workers.dev/property/states/nd) - [AS](https://property-atlas.ryanjhunter.workers.dev/property/states/as) - [GU](https://property-atlas.ryanjhunter.workers.dev/property/states/gu) - [MP](https://property-atlas.ryanjhunter.workers.dev/property/states/mp) - [PR](https://property-atlas.ryanjhunter.workers.dev/property/states/pr) - [US](https://property-atlas.ryanjhunter.workers.dev/property/states/us) - [VI](https://property-atlas.ryanjhunter.workers.dev/property/states/vi) ## Data - Source: FEMA NRI + NOAA Storm Events + USFS Wildfire Risk + FEMA BRIC/HMGP + OpenFEMA NFIP redacted flood claims (2026) - Primary source: https://hazards.fema.gov/nri/ - [Sitemap](https://property-atlas.ryanjhunter.workers.dev/sitemap.xml) - [Full agent dump](https://property-atlas.ryanjhunter.workers.dev/llms-full.txt)