Lowest Physical-Risk Metros

Metropolitan areas ranked by AreaProfile Physical Resilience

Large metropolitan areas with the least natural-hazard exposure, derived from the FEMA National Risk Index.

40 locations · Calculated September 22, 2026 · Download CSV

The supporting columns show on a wider screen, and every column is in the CSV.

40 places, ranked nationally.

#MetroScoreTop hazardFema risk indexShortlist
1Milwaukee-Waukesha, WI Metro Area97.6Cold wave90
2Rochester, NY Metro Area94.0Inland flooding82
3Baltimore-Columbia-Towson, MD Metro Area93.6Winter weather84
4Grand Rapids-Wyoming-Kentwood, MI Metro Area92.8Strong wind83
5Madison, WI Metro Area91.2Hail88
6Akron, OH Metro Area90.5Hail85
7Dayton-Kettering-Beavercreek, OH Metro Area87.7Ice storm85
8Portland-South Portland, ME Metro Area87.0Ice storm75
9Boston-Cambridge-Newton, MA-NH Metro Area86.3Inland flooding93
10Toledo, OH Metro Area86.2Tornado82
11Worcester, MA Metro Area86.1Ice storm94
12Detroit-Warren-Dearborn, MI Metro Area85.6Tornado96
13Syracuse, NY Metro Area85.2Winter weather84
14Spokane-Spokane Valley, WA Metro Area84.5Wildfire88
15Des Moines-West Des Moines, IA Metro Area84.2Drought78
16Albany-Schenectady-Troy, NY Metro Area84.1Inland flooding78
17Minneapolis-St. Paul-Bloomington, MN-WI Metro Area84.0Strong wind86
18Virginia Beach-Chesapeake-Norfolk, VA-NC Metro Area83.4Hurricane61
19Providence-Warwick, RI-MA Metro Area83.1Hurricane82
20Cincinnati, OH-KY-IN Metro Area82.2Tornado83
21Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area80.2Heat wave83
22Buffalo-Cheektowaga, NY Metro Area79.6Inland flooding95
23Pittsburgh, PA Metro Area79.2Inland flooding90
24Columbus, OH Metro Area77.2Hail85
25Austin-Round Rock-San Marcos, TX Metro Area76.6Hail94
26Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area76.6Winter weather94
27Kansas City, MO-KS Metro Area76.3Hail88
28Boise City, ID Metro Area76.1Wildfire80
29Richmond, VA Metro Area75.4Earthquake66
30Ogden, UT Metro Area75.0Earthquake86
31Chicago-Naperville-Elgin, IL-IN Metro Area74.9Cold wave97
32Lexington-Fayette, KY Metro Area74.8Strong wind74
33Harrisburg-Carlisle, PA Metro Area74.6Winter weather86
34Kiryas Joel-Poughkeepsie-Newburgh, NY Metro Area71.9Strong wind90
35Allentown-Bethlehem-Easton, PA-NJ Metro Area70.9Winter weather88
36Raleigh-Cary, NC Metro Area70.4Hail92
37Indianapolis-Carmel-Greenwood, IN Metro Area69.4Tornado84
38Atlanta-Sandy Springs-Roswell, GA Metro Area68.8Tornado83
39Scranton--Wilkes-Barre, PA Metro Area67.9Inland flooding89
40Augusta-Richmond County, GA-SC Metro Area66.4Ice storm76

Methodology

Metros are ranked by the AreaProfile Physical Resilience signal: 70% FEMA’s expected annual loss rate, inverted, and 30% the FEMA community resilience percentile, both aggregated from component counties by population weighting. A higher score means lower exposure. The loss rate is used rather than FEMA’s composite risk index on purpose: the composite folds social vulnerability and community resilience into the hazard itself, so a wealthy county in a hurricane path can score as low risk. Both of those measures are worth knowing and are published separately on every profile; neither answers the question of how much damage the hazards do.

What is excluded, and why

Metropolitan areas under 500,000 residents. FEMA does not endorse this ranking; the underlying hazard scores are FEMA data, the resilience signal and this ordering are AreaProfile calculations.

The top 40 of the 109 metros that meet these criteria are listed.

Sources

Full details of how signals and the Area Score are calculated are on the methodology page, and how rankings like this one are built and reviewed is on the editorial policy page.