Natural Hazard Profiles by State (2026)
FEMA NRI composite risk scores, dominant hazard types, and expected annual loss for 57 states, aggregated from FEMA NRI, NOAA Storm Events, and USFS Wildfire Risk data. Select a state for its full hazard breakdown.
Source: FEMA NRI + NOAA Storm Events + USFS Wildfire Risk + FEMA BRIC/HMGP (2026). NRI scores are state averages across counties; expected annual loss is the state total. This catalog informs and compares — it does not render safety verdicts on any place.
| State | NRI score (avg) | Dominant hazard | Exp. annual loss |
|---|---|---|---|
| District of Columbia | 97.6 | Heat Wave | $292.5M |
| Delaware | 91.3 | Cold Wave | $377.3M |
| New Jersey | 90.8 | Strong Wind | $3.2B |
| California | 88.7 | Drought | $30.2B |
| Connecticut | 87.6 | Riverine Flooding | $1.2B |
| Arizona | 84.5 | Wildfire | $3.6B |
| Massachusetts | 78.8 | Riverine Flooding | $1.5B |
| Florida | 75.7 | Hurricane | $8.8B |
| Hawaii | 75.0 | Volcanic Activity | $1.1B |
| South Carolina | 70.7 | Hurricane | $3.0B |
| Washington | 70.0 | Wildfire | $4.7B |
| New Hampshire | 69.9 | Landslide | $462.5M |
| New York | 69.4 | Riverine Flooding | $4.3B |
| Pennsylvania | 67.4 | Winter Weather | $4.1B |
| North Carolina | 66.7 | Hurricane | $4.4B |
| Oregon | 63.4 | Wildfire | $2.5B |
| Louisiana | 62.4 | Hurricane | $3.3B |
| Alabama | 61.5 | Hurricane | $2.5B |
| Maryland | 60.2 | Winter Weather | $1.1B |
| Wisconsin | 59.1 | Cold Wave | $2.6B |
| New Mexico | 58.9 | Wildfire | $972.3M |
| Maine | 56.7 | Winter Weather | $415.9M |
| Rhode Island | 56.6 | Hurricane | $216.8M |
| Arkansas | 55.5 | Ice Storm | $1.8B |
| Oklahoma | 55.5 | Ice Storm | $2.1B |
| Ohio | 55.0 | Hail | $3.1B |
| Illinois | 54.5 | Earthquake | $6.4B |
| Tennessee | 52.5 | Earthquake | $3.0B |
| Mississippi | 50.9 | Earthquake | $1.6B |
| Missouri | 50.6 | Heat Wave | $3.9B |
| Michigan | 49.6 | Strong Wind | $2.9B |
| West Virginia | 49.2 | Landslide | $999.4M |
| Texas | 49.0 | Drought | $12.3B |
| Nevada | 46.2 | Wildfire | $1.4B |
| Indiana | 45.5 | Strong Wind | $2.4B |
| Kentucky | 44.2 | Landslide | $2.4B |
| Minnesota | 42.4 | Strong Wind | $2.6B |
| Colorado | 40.7 | Landslide | $2.2B |
| Iowa | 39.7 | Drought | $1.8B |
| Georgia | 39.5 | Hurricane | $3.3B |
| Idaho | 38.5 | Wildfire | $767.0M |
| Wyoming | 37.9 | Landslide | $344.3M |
| Vermont | 36.4 | Landslide | $221.2M |
| Utah | 36.2 | Landslide | $1.6B |
| Alaska | 35.2 | Landslide | $941.3M |
| Montana | 33.3 | Cold Wave | $792.4M |
| Virginia | 33.3 | Hurricane | $2.0B |
| Kansas | 29.9 | Drought | $1.8B |
| South Dakota | 26.8 | Wildfire | $768.3M |
| Nebraska | 25.8 | Hail | $1.3B |
| North Dakota | 22.2 | Winter Weather | $565.4M |
| AS | — | — | $65.0M |
| GU | — | — | $215.6M |
| MP | — | — | $60.7M |
| PR | — | — | $3.2B |
| US | — | — | — |
| VI | — | — | $145.0M |