State hazard map
What hazards does your state face?
Choose a hazard, then a state. See FEMA's hazard ratings and past disaster declarations for each state.
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| State | 3 highest-rated hazards (expected annual loss rating) | Most common incident type | Major disaster and emergency declarations since 1953 | Last 10 years |
|---|---|---|---|---|
| Alabama | Tornado (Relatively High), Lightning (Relatively High), Cold wave (Relatively High) | Severe storm | 94 | 24 |
| Alaska | Avalanche (Very High), Winter weather (Relatively High), Earthquake (Relatively High) | Severe storm | 69 | 25 |
| American Samoa | Volcanic activity (Relatively Low), Hurricane (Very Low), Inland flooding (Very Low) | Hurricane | 17 | 5 |
| Arizona | Heat wave (Very High), Inland flooding (Relatively High), Wildfire (Relatively High) | Flood | 41 | 13 |
| Arkansas | Ice storm (Very High), Tornado (Relatively High), Winter weather (Relatively High) | Severe storm | 87 | 18 |
| California | Inland flooding (Very High), Wildfire (Very High), Earthquake (Very High) | Flood | 134 | 43 |
| Colorado | Winter weather (Very High), Lightning (Very High), Avalanche (Very High) | Flood | 33 | 6 |
| Connecticut | Hurricane (Relatively Moderate), Inland flooding (Relatively Moderate), Coastal flooding (Relatively Moderate) | Hurricane | 42 | 11 |
| Delaware | Coastal flooding (Relatively Moderate), Winter weather (Relatively Moderate), Cold wave (Relatively Moderate) | Hurricane | 26 | 5 |
| District of Columbia | Hurricane (Relatively Low), Inland flooding (Relatively Low), Coastal flooding (Relatively Low) | Severe storm | 24 | 4 |
| Florida | Hurricane (Very High), Coastal flooding (Very High), Strong wind (Very High) | Hurricane | 122 | 40 |
| Georgia | Tornado (Relatively High), Strong wind (Relatively High), Lightning (Relatively High) | Severe storm | 68 | 19 |
| Guam | Hurricane (Relatively Moderate), Inland flooding (Very Low), Coastal flooding (Very Low) | Typhoon | 26 | 12 |
| Hawaii | Volcanic activity (Very High), Inland flooding (Relatively Moderate), Wildfire (Relatively Moderate) | Flood | 49 | 19 |
| Idaho | Wildfire (Relatively High), Winter weather (Relatively High), Avalanche (Relatively High) | Flood | 38 | 11 |
| Illinois | Strong wind (Very High), Cold wave (Very High), Inland flooding (Relatively High) | Severe storm | 68 | 8 |
| Indiana | Tornado (Relatively High), Winter weather (Relatively High), Strong wind (Relatively High) | Severe storm | 56 | 8 |
| Iowa | Tornado (Relatively High), Winter weather (Relatively High), Strong wind (Relatively High) | Severe storm | 79 | 18 |
| Kansas | Winter weather (Very High), Ice storm (Very High), Tornado (Relatively High) | Severe storm | 82 | 26 |
| Kentucky | Tornado (Relatively High), Winter weather (Relatively High), Strong wind (Relatively High) | Severe storm | 91 | 25 |
| Louisiana | Hurricane (Relatively High), Coastal flooding (Relatively High), Tornado (Relatively High) | Hurricane | 106 | 32 |
| Maine | Winter weather (Relatively High), Ice storm (Relatively High), Coastal flooding (Relatively Moderate) | Severe storm | 69 | 14 |
| Maryland | Winter weather (Relatively High), Hurricane (Relatively Moderate), Coastal flooding (Relatively Moderate) | Flood | 38 | 6 |
| Massachusetts | Coastal flooding (Relatively High), Ice storm (Relatively High), Hurricane (Relatively Moderate) | Severe storm | 58 | 11 |
| Michigan | Winter weather (Very High), Strong wind (Very High), Tornado (Relatively High) | Flood | 45 | 10 |
| Minnesota | Winter weather (Very High), Strong wind (Very High), Tornado (Relatively High) | Flood | 71 | 14 |
| Mississippi | Tornado (Relatively High), Cold wave (Relatively High), Hurricane (Relatively Moderate) | Severe storm | 99 | 31 |
| Missouri | Heat wave (Very High), Ice storm (Very High), Tornado (Relatively High) | Severe storm | 87 | 20 |
| Montana | Winter weather (Very High), Avalanche (Very High), Cold wave (Relatively High) | Flood | 48 | 20 |
| Nebraska | Tornado (Relatively High), Winter weather (Relatively High), Hail (Relatively High) | Severe storm | 79 | 24 |
| Nevada | Wildfire (Relatively High), Heat wave (Relatively High), Winter weather (Relatively Moderate) | Flood | 28 | 6 |
| New Hampshire | Avalanche (Relatively High), Coastal flooding (Relatively Moderate), Winter weather (Relatively Moderate) | Severe storm | 63 | 17 |
| New Jersey | Coastal flooding (Very High), Winter weather (Very High), Strong wind (Very High) | Severe storm | 56 | 8 |
| New Mexico | Wildfire (Relatively High), Winter weather (Relatively High), Inland flooding (Relatively Moderate) | Flood | 57 | 22 |
| New York | Winter weather (Very High), Inland flooding (Relatively High), Coastal flooding (Relatively High) | Severe storm | 115 | 23 |
| North Carolina | Winter weather (Very High), Ice storm (Very High), Hurricane (Relatively High) | Hurricane | 75 | 20 |
| North Dakota | Winter weather (Very High), Cold wave (Relatively High), Ice storm (Relatively High) | Flood | 73 | 17 |
| Northern Mariana Islands | Hurricane (Relatively Low), Inland flooding (Very Low), Coastal flooding (Very Low) | Typhoon | 31 | 16 |
| Ohio | Inland flooding (Relatively High), Tornado (Relatively High), Winter weather (Relatively High) | Severe storm | 61 | 7 |
| Oklahoma | Ice storm (Very High), Tornado (Relatively High), Winter weather (Relatively High) | Severe storm | 128 | 39 |
| Oregon | Wildfire (Relatively High), Earthquake (Relatively High), Inland flooding (Relatively Moderate) | Severe storm | 48 | 15 |
| Pennsylvania | Winter weather (Very High), Inland flooding (Relatively High), Heat wave (Relatively High) | Flood | 64 | 6 |
| Puerto Rico | Landslide (Very High), Tsunami (Very High), Hurricane (Relatively High) | Hurricane | 51 | 19 |
| Rhode Island | Hurricane (Relatively Low), Inland flooding (Relatively Low), Coastal flooding (Relatively Low) | Hurricane | 30 | 8 |
| South Carolina | Hurricane (Relatively High), Coastal flooding (Relatively High), Cold wave (Relatively High) | Hurricane | 44 | 20 |
| South Dakota | Winter weather (Relatively High), Cold wave (Relatively High), Ice storm (Relatively High) | Severe storm | 71 | 23 |
| Tennessee | Tornado (Relatively High), Winter weather (Relatively High), Earthquake (Relatively High) | Severe storm | 87 | 30 |
| Texas | Tornado (Very High), Winter weather (Very High), Heat wave (Very High) | Flood | 127 | 20 |
| Utah | Avalanche (Very High), Wildfire (Relatively High), Winter weather (Relatively High) | Flood | 20 | 7 |
| Vermont | Winter weather (Relatively Moderate), Inland flooding (Relatively Low), Tornado (Relatively Low) | Severe storm | 62 | 19 |
| Virgin Islands | Tsunami (Relatively High), Hurricane (Relatively Low), Inland flooding (Very Low) | Hurricane | 33 | 12 |
| Virginia | Winter weather (Relatively High), Strong wind (Relatively High), Lightning (Relatively High) | Severe storm | 70 | 14 |
| Washington | Tsunami (Very High), Volcanic activity (Very High), Avalanche (Very High) | Flood | 79 | 20 |
| West Virginia | Inland flooding (Relatively Moderate), Winter weather (Relatively Moderate), Cold wave (Relatively Moderate) | Flood | 84 | 19 |
| Wisconsin | Cold wave (Very High), Tornado (Relatively High), Winter weather (Relatively High) | Flood | 56 | 10 |
| Wyoming | Avalanche (Very High), Winter weather (Relatively Moderate), Cold wave (Relatively Moderate) | Flood | 18 | 6 |
Sources
- FEMA National Risk Index (NRI), December 2025 release (v1.20), data updated December 15, 2025. Ratings are NRI expected annual loss ratings. They compare states and territories with each other. They describe a whole state, not any one home. FEMA says NRI data are meant for planning and broad nationwide comparisons, and aren't a substitute for a local risk assessment. FEMA National Risk Index
- County counts: KAVO360's count of NRI county hazard risk ratings, December 2025 release (v1.20), data updated December 16, 2025. These risk ratings are different from the state ratings on the map. They also factor in social vulnerability and community resilience. In Louisiana, counties are parishes.
- FEMA, OpenFEMA Dataset: Disaster Declarations Summaries - v2 (https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries), retrieved October 21, 2026 at 11:35 AM CT. Each disaster number is counted once per state, 1953 to October 17, 2026. "Most common" and "This month" use natural hazard types only. Fire management assistance declarations are counted separately and aren't in the declaration totals. OpenFEMA dataset page
- State shapes: US Census Bureau cartographic boundaries via us-atlas 3.0.1. Territories are in the table and the compare list.
We're launching first in Louisiana and Florida, with plans to grow nationwide.
Fire management assistance declarations let FEMA give grants to state, local and tribal governments to help mitigate, manage and control fires on forests or grasslands that threaten to become a major disaster. We count them separately from major disaster and emergency declarations.
For information only. This map describes whole states, not any one home. It isn't an official FEMA flood zone determination or any other FEMA determination, and it isn't insurance advice. Uses FEMA public data; not affiliated with FEMA. KAVO360 isn't affiliated with FEMA, NOAA or the US Census Bureau.
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Map data last updated October 21, 2026.