US Hazard Profiles by State

Multi-peril 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 published 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

Montana

Flood Wildfire

West Virginia

Flood

Wyoming

Flood

Scoring Methodology

All hazard scores use the Calchis Hazard Scoring methodology, which combines federal data sources (USGS, NOAA, FEMA) with published research calibrations. Every score returns its component breakdown. Full methodology disclosed.

View Full Methodology

Primary Data Sources

USGS Earthquake Hazards Program.gov NOAA National Hurricane Center.gov NOAA Storm Prediction Center.gov NOAA NWPS 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.

33101Miami, FL 33301Fort Lauderdale, FL 33401West Palm Beach, FL 33602Tampa, FL 32801Orlando, FL 32202Jacksonville, FL 33901Fort Myers, FL 34102Naples, FL 32301Tallahassee, FL 32501Pensacola, FL 77001Houston, TX 77002Houston, TX 78201San Antonio, TX 75201Dallas, TX 76102Fort Worth, TX 78701Austin, TX 78401Corpus Christi, TX 77550Galveston, TX 90001Los Angeles, CA 90210Beverly Hills, CA 94102San Francisco, CA 92101San Diego, CA 95814Sacramento, CA 94301Palo Alto, CA 90401Santa Monica, CA 93101Santa Barbara, CA 92262Palm Springs, CA 95060Santa Cruz, CA 94501Alameda, CA 91101Pasadena, CA 70112New Orleans, LA 70801Baton Rouge, LA 70501Lafayette, LA 70601Lake Charles, LA 28202Charlotte, NC 27601Raleigh, NC 28401Wilmington, NC 73102Oklahoma City, OK 74103Tulsa, OK 73069Norman, OK 73071Norman, OK 80202Denver, CO 80301Boulder, CO 80903Colorado Springs, CO 97201Portland, OR 97401Eugene, OR 98101Seattle, WA 98402Tacoma, WA 29401Charleston, SC 29577Myrtle Beach, SC 30301Atlanta, GA 31401Savannah, GA 36602Mobile, AL 35203Birmingham, AL 39201Jackson, MS 39501Gulfport, MS 68102Omaha, NE 68508Lincoln, NE 10001New York, NY 10301Staten Island, NY 11201Brooklyn, NY 11101Long Island City, NY 67202Wichita, KS 66101Kansas City, KS 63101St. Louis, MO 64108Kansas City, MO 37201Nashville, TN 38103Memphis, TN 85001Phoenix, AZ 85701Tucson, AZ 89101Las Vegas, NV 89501Reno, NV 96801Honolulu, HI 96720Hilo, HI 99501Anchorage, AK 00901San Juan, PR

Calchis Hazard Scores — derived from federal and academic sources. Property exposure data not included. Not a substitute for professional actuarial assessment. Decision-support intelligence — not a primary alerting or dispatch system. Verify against official sources.