US states by expected annual loss from natural hazards (FEMA National Risk Index), 2025

Name: US states by expected annual loss from natural hazards (FEMA National Risk Index), 2025
License: https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355

California had the highest expected annual loss from natural hazards (FEMA National Risk Index) of 51 states in 2025, at $30,194,921,299. Rhode Island had the lowest, at $216,763,372. The median was $1,978,483,785. Source: the Federal Emergency Management Agency.

Highest30,194,921,299California

Lowest216,763,372Rhode Island

Median1,978,483,78551 states

Map of states, 2025

Under 700M
700M to 1.3B
1.3B to 2B
2B to 2.7B
2.7B to 3.8B
3.8B and over

USD, 2025. Source: FEMA National Risk Index, National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). Boundaries: U.S. Census Bureau cartographic boundary files.

All states, 2025

USD. Source: FEMA National Risk Index, National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). Retrieved 2026-10-12.

Full ranking

Rank	States	2025 USD
1	California	30,194,921,299
2	Texas	12,347,225,288
3	Florida	8,785,878,974
4	Illinois	6,410,338,020
5	Washington	4,688,943,879
6	North Carolina	4,429,515,350
7	New York	4,272,807,885
8	Pennsylvania	4,069,174,295
9	Missouri	3,937,739,989
10	Arizona	3,600,033,951
11	Louisiana	3,348,143,510
12	Georgia	3,345,218,573
13	New Jersey	3,215,449,865
14	Ohio	3,059,869,667
15	Tennessee	3,004,306,362
16	South Carolina	2,986,664,052
17	Michigan	2,851,016,055
18	Wisconsin	2,588,280,427
19	Minnesota	2,581,628,065
20	Oregon	2,524,177,651
21	Alabama	2,505,515,599
22	Indiana	2,372,659,440
23	Kentucky	2,364,406,419
24	Oklahoma	2,120,925,529
25	Colorado	2,080,908,844
26	Virginia	1,978,483,785
27	Iowa	1,834,453,443
28	Kansas	1,781,432,063
29	Arkansas	1,769,473,890
30	Mississippi	1,637,869,008
31	Utah	1,536,394,607
32	Massachusetts	1,478,044,953
33	Nevada	1,371,295,581
34	Nebraska	1,336,726,339
35	Connecticut	1,212,876,233
36	Hawaii	1,075,536,231
37	Maryland	1,062,512,495
38	West Virginia	999,272,824
39	New Mexico	972,283,002
40	Alaska	895,808,064
41	South Dakota	768,341,198
42	Montana	753,801,508
43	Idaho	736,343,195
44	North Dakota	565,396,603
45	New Hampshire	462,485,903
46	Maine	415,881,829
47	Delaware	377,267,132
48	Wyoming	329,471,981
49	District of Columbia	292,473,701
50	Vermont	221,180,601
51	Rhode Island	216,763,372

About this ranking

Average loss in US dollars that FEMA expects a US state or county to suffer each year from 18 natural hazards, adding building value, agriculture value and lives lost or injuries valued in dollars, from the National Risk Index. FEMA modelled it from historical hazard frequency, exposure and loss ratios.

A modelled estimate, not recorded losses. The December 2025 edition values buildings and agriculture in December 2024 dollars. The period is the year of the National Risk Index edition (the December 2025 edition is 2025), not a year of events. FEMA rebuilds the index with new data and methods in each edition, so values from different editions are not a time series. The index is meant for nationwide comparison and planning, not as a local risk assessment.

Every value in the ranking comes from the same publisher and the same period, so the states are compared on one definition. Equal values share a rank.

How to cite

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Retrieved 2026-10-12. This product uses the FEMA 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).

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

Federal Emergency Management Agency. (2025). National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT) (US states by expected annual loss from natural hazards (FEMA National Risk Index), 2025) [Data set]. Retrieved October 12, 2026, from https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355

MLA 9

National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT), US states by expected annual loss from natural hazards (FEMA National Risk Index), 2025. Federal Emergency Management Agency, 16 Dec. 2025, https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Invokely, https://invokely.ai/rankings/expected-annual-loss-natural-hazards/us-states. Accessed 12 Oct. 2026.

Chicago (author-date)

Federal Emergency Management Agency. 2025. National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). US states by expected annual loss from natural hazards (FEMA National Risk Index), 2025. Dataset. Accessed October 12, 2026. https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Also distributed by Invokely, https://invokely.ai/rankings/expected-annual-loss-natural-hazards/us-states.

Harvard

Federal Emergency Management Agency (2025) National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT), US states by expected annual loss from natural hazards (FEMA National Risk Index), 2025 [Dataset]. Available at: https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355, via Invokely: https://invokely.ai/rankings/expected-annual-loss-natural-hazards/us-states (Accessed: 12 October 2026).

BibTeX

@misc{federal_us_states_by_expected_2025,
  author = {{Federal Emergency Management Agency}},
  title = {{National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL\_VALT): US states by expected annual loss from natural hazards (FEMA National Risk Index), 2025}},
  year = {2025},
  howpublished = {Data set},
  url = {https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/expected-annual-loss-natural-hazards/us-states. Publisher attribution: Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL\_VALT). https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Retrieved 2026-10-12. This product uses the FEMA 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).},
}

RIS

TY  - DATA
AU  - Federal Emergency Management Agency
TI  - National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT): US states by expected annual loss from natural hazards (FEMA National Risk Index), 2025
PY  - 2025
DA  - 2025/12/16
PB  - Federal Emergency Management Agency
DB  - Invokely
UR  - https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355
L2  - https://invokely.ai/rankings/expected-annual-loss-natural-hazards/us-states
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/expected-annual-loss-natural-hazards/us-states.
N1  - Publisher attribution: Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Retrieved 2026-10-12. This product uses the FEMA 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).
ER  -

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Questions

Which state has the highest expected annual loss from natural hazards (FEMA National Risk Index)?

California, with $30,194,921,299 in 2025, according to the Federal Emergency Management Agency.

Which state has the lowest expected annual loss from natural hazards (FEMA National Risk Index)?

Rhode Island, with $216,763,372 in 2025.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: Federal Emergency Management Agency, National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). Retrieved 2026-10-12.