Top 10 US Counties by FEMA National Risk Index Score

PlainInsure ranks 3,232 US counties by the FEMA National Risk Index composite risk score, the federal government's standard county-level natural-hazard rating, updated as new data is published.

Research period:

Research question

Among 3,232 US counties scored by the FEMA National Risk Index, which counties carry the highest composite risk score, and how is the top-hazard category distributed across the highest-risk ranks?

Methodology

This ranking is generated fresh from the PlainInsure dataset each time the page is requested. Records are ranked from highest to lowest and the top 10 are shown. Every number on this page comes directly from the current dataset, no figure is hardcoded, and the ranking updates automatically whenever the underlying the source data is refreshed.

Column lineage: each field maps to a typed column in the nri_risk table. Identifier columns carry the entity slug or code used elsewhere in PlainInsure; quantitative columns store values as exported by the Federal Emergency Management Agency (preserving the original measurement unit). Where the source publishes values in thousands of dollars, we render them via the standard PlainInsure money formatter that converts to billions or millions depending on magnitude. Where the source publishes raw integer counts, we render with thousand-separators preserved.

This ranking reflects the most recently published data available to PlainInsure. When the underlying dataset is refreshed, this page updates automatically within hours rather than days. The methodology page documents the full data pipeline, source vintage, and column lineage for PlainInsure.

Coverage and exclusions: records with null or zero values on the ranking metric are excluded from this ranking. the source occasionally suppresses values for reasons of confidentiality, sample size, or quality control; suppressed records are excluded by design rather than displayed as zeros. If the underlying source revises a value in a later release, the revised value will appear here automatically.

Data provenance and refresh cadence: the Federal Emergency Management Agency updates the National Risk Index periodically, not on a fixed calendar schedule. PlainInsure pulls each release as soon as it is publicly available, checks it for consistency, and replaces the prior version so readers never see a mix of old and new figures.

How this ranking is organized: PlainInsure groups records under the natural identifier published by the source (entity codes, geographic identifiers, fiscal-year markers, or program names, depending on the dataset). Where a figure combines several source fields, the combination rule is documented on the methodology page and the resulting column carries a plain-language name so readers can tell what it represents without guessing.

Edge-case handling: when a record appears in the source with a null value on the ranking column, we exclude it from this ranking page rather than treat null as zero, treating nulls as zeros would create misleading rankings that surface low-information records ahead of higher-information records. When a record appears with a negative or implausibly large value relative to its peer distribution, we surface the outlier in the table without applying any silent clipping or transformation; readers can see the raw value as published and follow the source link for context. The methodology page explains the agency-specific quirks for the dataset behind this ranking.

Comparability across vintages: the source agency periodically revises its release schedule, column definitions, or coverage scope. When such revisions occur, the affected vintages are noted on the methodology page and consumers are advised to compare like-with-like rather than join across schema-changed vintages. Where this page references a particular fiscal year, that year corresponds to the agency-defined reporting period, calendar year for most economic statistics, federal fiscal year (October through September) for federal program disbursements, school year (July through June) for education statistics. Readers comparing values across multiple agencies should map each agency's reporting period back to a common calendar window.

How rankings are compiled: this list reflects the current dataset ranked by the metric named above, limiting to the leading results and excluding records with missing values on that metric. We avoid manual curation of the order shown, whoever tops the list does so because of the underlying number, not editorial choice. Detail pages reachable from each row carry additional context and, where the source publishes it, historical trend data for that record.

A separate aggregate query summarizes the full population for context. The aggregate runs against the same nri_risk table without the LIMIT clause and computes a population count plus optional sum and mean. These aggregates anchor the top-10 ranking against the full distribution so readers can gauge how concentrated the top of the distribution is. The aggregate uses the same WHERE filter as the ranking query, ensuring apples-to-apples comparison between the top and the full population. Where the population is unevenly distributed, the gap between the mean and the median is a useful concentration measure; where the distribution approximates uniform spread, the ranking and the aggregate converge.

A secondary cut renders an adjacent dimension from the same dataset: a related ranking that complements the primary one by surfacing a different metric. This pairing lets the reader compare two related rankings derived from the same source without juxtaposing data from heterogeneous agencies. The secondary chart below the limitations panel visualizes this related ranking, while the primary chart above the ranking table visualizes the headline metric. Readers seeking the full multi-dimensional cut should explore the underlying detail pages reachable through entity links in the table.

Reproducibility: this ranking is generated directly from the PlainInsure dataset and every figure on the page traces back to a specific record from the underlying source, listed on the methodology page. We treat this transparency as part of the editorial contract, every claim is auditable to the row level. Researchers and journalists are welcome to cite this page as the analytical surface and the upstream agency as the underlying source; the methodology page documents the recommended citation format and the URL of the most recent dataset release.

Editorial governance: PlainInsure maintains an editorial standards document that codifies how rankings are constructed, how outliers are surfaced, how privacy-protected records are handled, and how corrections are processed when an entity disputes a value attributed to it. Subject-submitted corrections route through a defined intake process and are reconciled against the upstream record before publication; cosmetic corrections are recorded as overlay metadata while substantive corrections wait for the next official source release. A named editor reviews every ranking page before publication and signs off using the byline displayed at the top of this page. Corrections, takedowns, and clarifications can be requested through the contact channels documented in the portal footer.

Transparency commitments: PlainInsure publishes its full methodology, source registry, data-update status, and update history through dedicated pages reachable from the footer navigation. Visitors can trace any number on this page back to the underlying source row by following the entity link, inspecting the source URL referenced in the citation block, and comparing against the most recent vintage published by Federal Emergency Management Agency. Where the agency itself publishes online tools that allow direct lookup of the source record, we link to those tools so independent verification requires only the original public source, no proprietary intermediate. This level of audit trail is intended to protect against fabrication, hallucination, and quiet data drift over time.

See the methodology page for the complete ETL pipeline, source vintage, and column lineage.

Top 10 US Counties by FEMA National Risk Index Score

Updated automatically as new data is published

1. Los Angeles1002. Cook99.9683. Harris99.9364. Riverside99.9055. Maricopa99.8736. San Bernardino99.8417. Orange99.8098. Alameda99.7779. Santa Clara99.74610. San Diego99.714

The ranked top 10

Every row below reflects the current dataset. Refresh the page after new data is published to see the latest values.

# County State FIPS NRI risk score Risk rating Top hazard
1 Los Angeles 06 100 Very High Earthquake
2 Cook 17 99.968 Very High Cold Wave
3 Harris 48 99.936 Very High Hurricane
4 Riverside 06 99.905 Very High Earthquake
5 Maricopa 04 99.873 Very High Heat Wave
6 San Bernardino 06 99.841 Very High Earthquake
7 Orange 06 99.809 Very High Earthquake
8 Alameda 06 99.777 Very High Earthquake
9 Santa Clara 06 99.746 Very High Earthquake
10 San Diego 06 99.714 Very High Wildfire

Source: Federal Emergency Management Agency FEMA National Risk Index Values are refreshed automatically whenever the source publishes updated data.

Findings

Top entity in the ranking

The top-ranked record in this dataset is Los Angeles, with a value of 100 on the NRI risk score column. The full top-10 set is rendered in the table above. Every value comes directly from the current dataset; no number is hardcoded into this page. When the Federal Emergency Management Agency publishes a revision, the ranking and the prose around it update automatically.

Distribution shape

The gap between the top-ranked record (100) and the 10th-ranked record (99.714) characterizes how concentrated the top of the distribution is. Where the top value is many multiples of the median value of the visible set, the population is highly concentrated, a small number of entities accumulate the bulk of the measured quantity. Where the top and bottom of the visible set are close together, the distribution is relatively flat across the top end. The full distribution beyond this top-10 cut is summarized in the aggregate context section below and explored in the linked entity profiles.

Aggregate context

Across the full population behind this ranking, here are the summary statistics: how many records exist in total, the sum of the ranking metric across all qualifying records, and the mean per-record value. The methodology page documents the exact filter applied (records with null or zero values on the ranking metric are excluded). This aggregate row is computed from the same dataset that powers the ranking above.

Source provenance

The records in this ranking originate from Federal Emergency Management Agency, specifically the FEMA National Risk Index. PlainInsure ingests the source vintage published by the agency and keeps this page in sync with it, there is no static export carrying stale numbers, and an updated dataset is reflected here within hours of publication. The methodology page documents the source URL, the vintage date, and the transformation steps applied during data processing.

Why this ranking matters

Rankings like this one let a reader scan a population quickly and identify outliers, concentrations, and patterns that warrant deeper investigation. The detail pages linked from each entity in the table above give the full per-entity context: time-series history where available, related metrics from adjacent tables, and links onward to the underlying source records. The methodology page explains how an entity earns inclusion in the dataset and how the ranking column is computed at the source.

What this analysis cannot tell us

The FEMA National Risk Index composite risk score combines Expected Annual Loss (EAL) from 18 natural hazards with a Community Resilience modifier and a Social Vulnerability Index (SoVI) modifier; the composite is a relative ranking across US counties, not an absolute dollar prediction. Top-hazard assignment reflects the single hazard with the largest EAL contribution in each county, a county can have several near-tied hazards whose combined exposure is more important than the top-hazard label suggests. NRI inputs include historical loss data, population exposure, building-stock exposure, agricultural exposure, and infrastructure exposure; methodological updates between NRI publication versions can shift county rankings even when on-the-ground risk has not changed. Risk-rating buckets (Very Low through Very High) are FEMA-defined thresholds applied to the composite score and are not equivalent across hazard types. SoVI and Community Resilience components reflect social and institutional factors that modify expected loss outcomes, not the physical hazard intensity. This page reports figures as recorded in the FEMA NRI publication; it is not a substitute for site-specific hazard assessment, structural engineering review, or insurance-coverage decisions for any specific parcel.

Secondary cut from the same source

County counts grouped by the FEMA NRI top-hazard category (the hazard contributing the largest Expected Annual Loss share)

1. Tornado8782. Cold Wave6923. Hurricane4864. Earthquake3065. Drought2436. Wildfire1587. Hail1168. Heat Wave115

Sources

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This page draws directly on U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.