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Family Emergency Guide

Natural Hazard Risk by State

Last checked: October 26, 2026

Official guidanceThis guide summarizes official guidance. It does not replace instructions from local officials. In the United States, call 911 in an emergency. If your 911 call does not go through.

Related pages: Your County's Risk

What this table shows

  • FEMA's National Risk Index (NRI) measures natural hazard risk across the United States.[1]
  • The table uses the NRI's Expected Annual Loss, which FEMA defines as "the average economic loss in dollars resulting from natural hazards each year."[2]
  • Expected Annual Loss counts losses to buildings, people, and agriculture, and FEMA converts deaths and injuries into dollars to do this.[2]
  • At the state level, FEMA publishes Expected Annual Loss data, not the full Risk Index.[3]
  • The NRI covers 18 natural hazards.[4][5]
  • "Top 5 hazards" lists, for each state, the five NRI hazards with the largest "Expected Annual Loss - Total" value in that state's NRI record.[5][S1–S51]
  • "NRI overall rating" is the value of the field "Expected Annual Loss - Rating - Composite" in each state's NRI record.[5][S1–S51]

How to read it

  • Expected Annual Loss is an average dollar amount per year.[2]
  • FEMA notes that hazard and composite Expected Annual Loss scores show a community's rank compared with other communities.[2]
  • FEMA also publishes NRI data for counties and Census tracts.[3]
  • Hazard names link to this guide's page for that hazard. A hazard marked * has no page in this guide yet.

Table: 50 states + DC

StateNRI overall rating (Expected Annual Loss)Top 5 hazards by NRI Expected Annual Loss (largest first)Source
AlabamaRelatively ModerateInland flooding, Hurricane, Tornado, Cold wave, Earthquake[S1]
AlaskaRelatively LowEarthquake, Cold wave, Tsunami, Wildfire, Inland flooding[S2]
ArizonaRelatively ModerateInland flooding, Heat wave, Wildfire, Earthquake, Hail[S3]
ArkansasRelatively LowInland flooding, Earthquake, Tornado, Heat wave, Ice storm[S4]
CaliforniaVery HighEarthquake, Inland flooding, Wildfire, Drought*, Heat wave[S5]
ColoradoRelatively ModerateInland flooding, Hail, Wildfire, Tornado, Cold wave[S6]
ConnecticutRelatively LowInland flooding, Hurricane, Earthquake, Coastal flooding, Tornado[S7]
DelawareVery LowInland flooding, Hurricane, Cold wave, Coastal flooding, Earthquake[S8]
District of ColumbiaVery LowInland flooding, Earthquake, Heat wave, Hurricane, Cold wave[S9]
FloridaRelatively HighHurricane, Inland flooding, Tornado, Cold wave, Coastal flooding[S10]
GeorgiaRelatively ModerateInland flooding, Hurricane, Tornado, Cold wave, Earthquake[S11]
HawaiiRelatively LowInland flooding, Earthquake, Tsunami, Wildfire, Volcanic activity[S12]
IdahoRelatively LowInland flooding, Wildfire, Cold wave, Earthquake, Heat wave[S13]
IllinoisRelatively HighInland flooding, Cold wave, Tornado, Earthquake, Heat wave[S14]
IndianaRelatively ModerateInland flooding, Tornado, Cold wave, Earthquake, Strong wind[S15]
IowaRelatively LowInland flooding, Tornado, Drought*, Cold wave, Hail[S16]
KansasRelatively LowInland flooding, Tornado, Cold wave, Hail, Heat wave[S17]
KentuckyRelatively ModerateInland flooding, Tornado, Earthquake, Cold wave, Strong wind[S18]
LouisianaRelatively ModerateHurricane, Inland flooding, Tornado, Cold wave, Heat wave[S19]
MaineVery LowInland flooding, Hurricane, Cold wave, Ice storm, Coastal flooding[S20]
MarylandRelatively LowInland flooding, Heat wave, Hurricane, Tornado, Earthquake[S21]
MassachusettsRelatively LowInland flooding, Hurricane, Earthquake, Coastal flooding, Cold wave[S22]
MichiganRelatively ModerateInland flooding, Tornado, Cold wave, Strong wind, Heat wave[S23]
MinnesotaRelatively ModerateInland flooding, Cold wave, Tornado, Strong wind, Hail[S24]
MississippiRelatively LowInland flooding, Hurricane, Tornado, Cold wave, Earthquake[S25]
MissouriRelatively ModerateInland flooding, Heat wave, Earthquake, Tornado, Cold wave[S26]
MontanaRelatively LowInland flooding, Cold wave, Earthquake, Wildfire, Winter weather[S27]
NebraskaRelatively LowInland flooding, Hail, Tornado, Strong wind, Drought*[S28]
NevadaRelatively LowInland flooding, Earthquake, Heat wave, Wildfire, Drought*[S29]
New HampshireVery LowInland flooding, Hurricane, Earthquake, Tornado, Cold wave[S30]
New JerseyRelatively ModerateInland flooding, Strong wind, Hurricane, Earthquake, Heat wave[S31]
New MexicoRelatively LowInland flooding, Wildfire, Earthquake, Drought*, Heat wave[S32]
New YorkRelatively ModerateInland flooding, Cold wave, Heat wave, Hurricane, Earthquake[S33]
North CarolinaRelatively ModerateInland flooding, Hurricane, Tornado, Cold wave, Earthquake[S34]
North DakotaVery LowCold wave, Inland flooding, Hail, Tornado, Strong wind[S35]
OhioRelatively ModerateInland flooding, Tornado, Cold wave, Heat wave, Strong wind[S36]
OklahomaRelatively ModerateInland flooding, Tornado, Heat wave, Cold wave, Hail[S37]
OregonRelatively ModerateEarthquake, Inland flooding, Tsunami, Wildfire, Heat wave[S38]
PennsylvaniaRelatively ModerateInland flooding, Heat wave, Cold wave, Hurricane, Tornado[S39]
Rhode IslandVery LowInland flooding, Hurricane, Heat wave, Cold wave, Earthquake[S40]
South CarolinaRelatively ModerateHurricane, Inland flooding, Earthquake, Tornado, Cold wave[S41]
South DakotaRelatively LowInland flooding, Cold wave, Tornado, Wildfire, Hail[S42]
TennesseeRelatively ModerateInland flooding, Earthquake, Tornado, Cold wave, Heat wave[S43]
TexasRelatively HighInland flooding, Tornado, Hurricane, Cold wave, Hail[S44]
UtahRelatively LowEarthquake, Inland flooding, Wildfire, Lightning, Heat wave[S45]
VermontVery LowInland flooding, Cold wave, Hurricane, Earthquake, Lightning[S46]
VirginiaRelatively LowInland flooding, Hurricane, Earthquake, Tornado, Heat wave[S47]
WashingtonRelatively ModerateEarthquake, Inland flooding, Tsunami, Wildfire, Cold wave[S48]
West VirginiaRelatively LowInland flooding, Cold wave, Heat wave, Strong wind, Tornado[S49]
WisconsinRelatively ModerateInland flooding, Cold wave, Tornado, Hail, Heat wave[S50]
WyomingVery LowInland flooding, Cold wave, Earthquake, Wildfire, Avalanche*[S51]

Sources

Last checked: October 26, 2026. Each numbered source below was opened and checked on the date shown. Numbers in brackets in the text, like [1], point to this list.

  1. [1] FEMA, National Risk Index home page
    Published by
    Federal Emergency Management Agency (FEMA)
    Level
    U.S. federal government
    Found at
    hazards.fema.gov/nri/
    Checked
    Oct 26, 2026
  2. [2] FEMA, National Risk Index, Expected Annual Loss
    Published by
    Federal Emergency Management Agency (FEMA)
    Level
    U.S. federal government
    Found at
    hazards.fema.gov/nri/expected-annual-loss
    Checked
    Oct 26, 2026
  3. [3] FEMA, National Risk Index, Data Resources
    Published by
    Federal Emergency Management Agency (FEMA)
    Level
    U.S. federal government
    Found at
    hazards.fema.gov/nri/data-resources
    Checked
    Oct 26, 2026
  4. [4] FEMA, National Risk Index, Natural Hazards
    Published by
    Federal Emergency Management Agency (FEMA)
    Level
    U.S. federal government
    Found at
    hazards.fema.gov/nri/natural-hazards
    Checked
    Oct 26, 2026
  5. [5] FEMA National Risk Index, "National Risk Index States Expected Annual Loss" feature layer (owner FEMA_NationalRiskIndex; layer metadata shows data last edited December 15, 2025), field definitions
    Published by
    Federal Emergency Management Agency (FEMA)
    Level
    U.S. federal government
    Found at
    services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0
    Checked
    Oct 26, 2026

Per-state National Risk Index records

Per-state record from FEMA’s National Risk Index layer.

  1. [S1] Alabama · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27AL%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  2. [S2] Alaska · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27AK%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  3. [S3] Arizona · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27AZ%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  4. [S4] Arkansas · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27AR%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  5. [S5] California · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27CA%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  6. [S6] Colorado · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27CO%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  7. [S7] Connecticut · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27CT%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  8. [S8] Delaware · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27DE%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  9. [S9] District of Columbia · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27DC%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  10. [S10] Florida · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27FL%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  11. [S11] Georgia · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27GA%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  12. [S12] Hawaii · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27HI%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  13. [S13] Idaho · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27ID%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  14. [S14] Illinois · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27IL%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  15. [S15] Indiana · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27IN%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  16. [S16] Iowa · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27IA%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  17. [S17] Kansas · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27KS%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  18. [S18] Kentucky · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27KY%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  19. [S19] Louisiana · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27LA%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  20. [S20] Maine · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27ME%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  21. [S21] Maryland · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27MD%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  22. [S22] Massachusetts · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27MA%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  23. [S23] Michigan · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27MI%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  24. [S24] Minnesota · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27MN%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  25. [S25] Mississippi · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27MS%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  26. [S26] Missouri · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27MO%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  27. [S27] Montana · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27MT%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  28. [S28] Nebraska · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27NE%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  29. [S29] Nevada · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27NV%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  30. [S30] New Hampshire · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27NH%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  31. [S31] New Jersey · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27NJ%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  32. [S32] New Mexico · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27NM%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  33. [S33] New York · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27NY%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  34. [S34] North Carolina · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27NC%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  35. [S35] North Dakota · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27ND%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  36. [S36] Ohio · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27OH%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  37. [S37] Oklahoma · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27OK%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  38. [S38] Oregon · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27OR%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  39. [S39] Pennsylvania · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27PA%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  40. [S40] Rhode Island · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27RI%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  41. [S41] South Carolina · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27SC%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  42. [S42] South Dakota · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27SD%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  43. [S43] Tennessee · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27TN%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  44. [S44] Texas · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27TX%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  45. [S45] Utah · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27UT%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  46. [S46] Vermont · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27VT%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  47. [S47] Virginia · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27VA%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  48. [S48] Washington · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27WA%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  49. [S49] West Virginia · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27WV%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  50. [S50] Wisconsin · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27WI%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)
  51. [S51] Wyoming · services.arcgis.com/XG15cJAlne2vxtgt/arcgis/rest/services/National_Risk_Index_States_Expected_Annual_Loss/FeatureServer/0/query?where=STATEABBRV%3D%27WY%27&outFields=%2A&returnGeometry=false&f=html (U.S. federal government)

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