US Hazard Profiles by State

Climate-adjusted hazard data for the top US insurance markets. Each profile covers historical events, hazard scoring methodology, and authoritative data sources from USGS, NOAA, FEMA, and peer-reviewed research.

California

Earthquake Wildfire Flood

Florida

Hurricane Flood Wildfire

Texas

Hurricane Flood Severe Weather Wildfire

Louisiana

Hurricane Flood

New York

Flood Severe Weather

North Carolina

Hurricane Flood

South Carolina

Hurricane Flood

Oklahoma

Severe Weather Flood

Colorado

Wildfire Flood Severe Weather

Oregon

Wildfire Earthquake Flood

Washington

Wildfire Earthquake Flood

Nebraska

Severe Weather Flood

Alabama

Hurricane Severe Weather Flood

Mississippi

Hurricane Flood

Georgia

Hurricane Severe Weather Flood

Scoring Methodology

All hazard scores use the CivilSense Climate-Adjusted Hazard Scoring methodology, which combines federal data sources (USGS, NOAA, FEMA) with peer-reviewed research calibrations. Every parameter cites its source. Every score component is transparent.

View Full Methodology

Primary Data Sources

USGS Earthquake Hazards Program.gov NOAA National Hurricane Center.gov NOAA Storm Prediction Center.gov NOAA AHPS River Gauges.gov FEMA Disaster Declarations.gov FEMA National Flood Hazard Layer.gov NIFC Active Fire Data.gov NASA FIRMS.gov IBTrACS Best Track Archive.gov NOAA Storm Events Database.gov

Popular ZIP Code Hazard Reports

Free address-level hazard assessments for high-risk US ZIP codes. Each report includes multi-peril scores with full methodology transparency.

90210Beverly Hills, CA 33101Miami, FL 77001Houston, TX 70112New Orleans, LA 94102San Francisco, CA 28401Wilmington, NC 73102Oklahoma City, OK 80301Boulder, CO 29401Charleston, SC 10001New York, NY 98101Seattle, WA 96801Honolulu, HI

Climate-Adjusted Hazard Scores — derived from peer-reviewed federal and academic sources. Property exposure data not included. Not a substitute for professional actuarial assessment. For situational awareness only — not for emergency response.