New York natural hazard risk by county

New York has about $4.27 billion in modeled expected annual loss across 62 counties. The state accounts for 2.8% of the national modeled loss total. Its total ranks #7 among 56 state-level entries by modeled loss. FEMA published these 62 county estimates in its December 2025 National Risk Index. The modeled $4.27 billion annual average does not predict loss in any one year.

Modeled expected annual loss

$4.27 billion / year

Share of US loss

2.8%

State loss rank

#7 of 56

Largest modeled-loss hazard

Riverine Flood

Reading the New York county map

The map groups 62 county estimates into five within-state loss classes. Each boundary follows the county geography, while the fill represents modeled dollars per year. The class breaks are calculated from New York county values, so a matching shade on another state page need not represent the same amount. Grey marks unmatched geography or an unavailable estimate. Outlined counties link to the detailed profiles available in this release; counties without profiles still contribute to the state totals.

Together, the three largest estimates account for 25.1% of New York modeled annual loss. Their combined population represents 33.0% of the state source population. Comparing these two shares helps distinguish the concentration of modeled dollars from the concentration of residents. Neither share identifies the exposure of an individual address, and the map does not show the location of damage within a county.

County totals beside population

Queens County, NY combines about $377.1 million in modeled annual loss with 2,404,353 recorded residents. Dividing those figures gives about $157 per resident, compared with $212 statewide. On this population-adjusted measure, the county places #60 among the 62 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Kings County, NY combines about $374.8 million in modeled annual loss with 2,735,309 recorded residents. Dividing those figures gives about $137 per resident, compared with $212 statewide. On this population-adjusted measure, the county places #62 among the 62 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Suffolk County, NY combines about $320.5 million in modeled annual loss with 1,524,969 recorded residents. Dividing those figures gives about $210 per resident, compared with $212 statewide. On this population-adjusted measure, the county places #49 among the 62 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Where the leading hazards are concentrated

For riverine flooding, Erie County, NY contributes 7.4% of the state hazard total. The next county, Suffolk County, NY, contributes about $193.3 million annually, compared with $205.3 million for the leader. Across New York, 62 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $2.39 billion after those two leading estimates. The state places #4 of 56 state-level entries for this hazard. Its share of the state loss mix is 65.2%. These comparisons describe modeled losses rather than future events.

For cold waves, Erie County, NY contributes 17.0% of the state hazard total. The next county, Queens County, NY, contributes about $45.8 million annually, compared with $52.7 million for the leader. Across New York, 62 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $211.4 million after those two leading estimates. The state places #9 of 56 state-level entries for this hazard. Its share of the state loss mix is 7.3%. These comparisons describe modeled losses rather than future events.

For heat waves, Kings County, NY contributes 23.4% of the state hazard total. The next county, Queens County, NY, contributes about $57.6 million annually, compared with $63.3 million for the leader. Across New York, 62 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $148.9 million after those two leading estimates. The state places #8 of 56 state-level entries for this hazard. Its share of the state loss mix is 6.3%. These comparisons describe modeled losses rather than future events.

For hurricanes, Suffolk County, NY contributes 17.7% of the state hazard total. The next county, Kings County, NY, contributes about $30.7 million annually, compared with $42.7 million for the leader. Across New York, 62 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $168.6 million after those two leading estimates. The state places #10 of 56 state-level entries for this hazard. Its share of the state loss mix is 5.7%. These comparisons describe modeled losses rather than future events.

For earthquakes, Kings County, NY contributes 22.2% of the state hazard total. The next county, Queens County, NY, contributes about $34.7 million annually, compared with $52.0 million for the leader. Across New York, 62 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $147.7 million after those two leading estimates. The state places #15 of 56 state-level entries for this hazard. Its share of the state loss mix is 5.5%. These comparisons describe modeled losses rather than future events.

For tornadoes, Erie County, NY contributes 9.1% of the state hazard total. The next county, Albany County, NY, contributes about $6.9 million annually, compared with $12.1 million for the leader. Across New York, 62 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $114.8 million after those two leading estimates. The state places #25 of 56 state-level entries for this hazard. Its share of the state loss mix is 3.1%. These comparisons describe modeled losses rather than future events.

New York hazard totals and county comparisons

New York hazard totals combine the county estimates. The largest county column identifies concentration within each hazard; the state rank compares the same hazard across state-level entries.

New York county loss totals

New York population, values and ratings

Population

20,190,196

Building value

$3,755.17 billion

Agricultural value

$6.91 billion

Modeled loss per resident

$212

New York county pages

New York has 1 detailed county page linked below.

• Kings County, NY: county detail

US county comparisons alongside New York