The ZIP codes with the lowest natural hazard risk in America
The 50 ZIP codes in the U.S. with the lowest combined risk from flooding, wildfire, hurricanes, earthquakes, extreme heat, tornadoes, winter storms and hail, based on FEMA’s National Risk Index. Duluth, MN (55805) has the lowest combined rating.
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Top 50
| # | Town | ZIP code | Combined risk (8–40) | Flooding | Wildfire | Hurricanes | Extreme heat | Median home value |
|---|---|---|---|---|---|---|---|---|
| 1 | Duluth, MN | 55805 | 5 | None | Very low | None | None | $189,400 |
| 2 | Duluth, MN | 55806 | 5 | None | Very low | None | None | $161,400 |
| 3 | Duluth, MN | 55808 | 6 | None | Very low | None | None | $174,200 |
| 4 | Duluth, MN | 55810 | 6 | None | Very low | None | None | $241,600 |
| 5 | Duluth, MN | 55807 | 6 | Very low | Very low | None | None | $177,500 |
| 6 | Duluth, MN | 55812 | 6 | Very low | Very low | None | None | $322,700 |
| 7 | Citrus Heights, CA | 95610 | 7 | None | None | None | Rel. low | $485,900 |
| 8 | Citrus Heights, CA | 95621 | 7 | None | None | None | Rel. low | $432,500 |
| 9 | Orangevale, CA | 95662 | 7 | None | None | None | Rel. low | $558,300 |
| 10 | Sacramento, CA | 95842 | 7 | None | None | None | Rel. low | $413,700 |
| 11 | Cherokee, NC | 28719 | 7 | None | Rel. low | Very low | None | $188,400 |
| 12 | Mililani, HI | 96789 | 7 | None | Rel. low | Very low | None | $920,400 |
| 13 | Ketchikan, AK | 99901 | 7 | Very low | Very low | None | None | $393,300 |
| 14 | Pittsburgh, PA | 15208 | 8 | None | None | Very low | Rel. low | $321,100 |
| 15 | Los Angeles, CA | 90001 | 8 | None | None | None | Rel. low | $560,300 |
| 16 | Los Angeles, CA | 90002 | 8 | None | None | None | Rel. low | $534,200 |
| 17 | Los Angeles, CA | 90003 | 8 | None | None | None | Rel. low | $576,600 |
| 18 | Los Angeles, CA | 90004 | 8 | None | None | None | Rel. low | $1,552,100 |
| 19 | Los Angeles, CA | 90006 | 8 | None | None | None | Rel. low | $902,900 |
| 20 | Los Angeles, CA | 90007 | 8 | None | None | None | Rel. low | $861,700 |
| 21 | Los Angeles, CA | 90011 | 8 | None | None | None | Rel. low | $595,400 |
| 22 | Los Angeles, CA | 90016 | 8 | None | None | None | Rel. low | $968,900 |
| 23 | Los Angeles, CA | 90018 | 8 | None | None | None | Rel. low | $923,300 |
| 24 | Los Angeles, CA | 90019 | 8 | None | None | None | Rel. low | $1,273,700 |
| 25 | Los Angeles, CA | 90023 | 8 | None | None | None | Rel. low | $639,400 |
| 26 | Los Angeles, CA | 90024 | 8 | None | None | None | Rel. low | $1,478,500 |
| 27 | Los Angeles, CA | 90025 | 8 | None | None | None | Rel. low | $1,079,700 |
| 28 | Los Angeles, CA | 90026 | 8 | None | None | None | Rel. low | $1,199,500 |
| 29 | Los Angeles, CA | 90029 | 8 | None | None | None | Rel. low | $1,124,400 |
| 30 | Los Angeles, CA | 90033 | 8 | None | None | None | Rel. low | $707,200 |
| 31 | Los Angeles, CA | 90034 | 8 | None | None | None | Rel. low | $1,516,600 |
| 32 | Los Angeles, CA | 90035 | 8 | None | None | None | Rel. low | $1,908,900 |
| 33 | Los Angeles, CA | 90037 | 8 | None | None | None | Rel. low | $666,400 |
| 34 | Los Angeles, CA | 90043 | 8 | None | None | None | Rel. low | $901,800 |
| 35 | Los Angeles, CA | 90044 | 8 | None | None | None | Rel. low | $613,900 |
| 36 | Los Angeles, CA | 90047 | 8 | None | None | None | Rel. low | $680,600 |
| 37 | Los Angeles, CA | 90048 | 8 | None | None | None | Rel. low | $1,932,000 |
| 38 | Los Angeles, CA | 90059 | 8 | None | None | None | Rel. low | $583,900 |
| 39 | Los Angeles, CA | 90061 | 8 | None | None | None | Rel. low | $601,500 |
| 40 | Los Angeles, CA | 90062 | 8 | None | None | None | Rel. low | $711,400 |
| 41 | Los Angeles, CA | 90066 | 8 | None | None | None | Rel. low | $1,695,400 |
| 42 | Bell Gardens, CA | 90201 | 8 | None | None | None | Rel. low | $568,600 |
| 43 | Compton, CA | 90220 | 8 | None | None | None | Rel. low | $554,900 |
| 44 | Compton, CA | 90221 | 8 | None | None | None | Rel. low | $575,000 |
| 45 | Compton, CA | 90222 | 8 | None | None | None | Rel. low | $580,500 |
| 46 | Downey, CA | 90240 | 8 | None | None | None | Rel. low | $815,600 |
| 47 | Downey, CA | 90241 | 8 | None | None | None | Rel. low | $829,000 |
| 48 | Downey, CA | 90242 | 8 | None | None | None | Rel. low | $761,000 |
| 49 | Gardena, CA | 90247 | 8 | None | None | None | Rel. low | $659,100 |
| 50 | Gardena, CA | 90249 | 8 | None | None | None | Rel. low | $768,000 |
How we rank
For each of eight hazards, FEMA’s National Risk Index rates how much damage it typically causes each year compared with the rest of the country, from very low to very high. We score those ratings 1 to 5 (0 where a hazard doesn’t apply) and add them up, so the combined score runs from 0 to 40; lower is safer. Ratings average the census tracts in each ZIP code, or use the county where tract data isn’t available, so parts of a ZIP can be higher.
Low risk doesn’t mean no risk. For a specific home, check FEMA’s flood maps and ask your insurance agent for a quote before you buy. This uses FEMA’s Expected Annual Loss ratings, not its composite Risk Index; it isn’t endorsed by FEMA.
Questions
Where is natural hazard risk lowest in America?
Duluth, MN (55805) has the lowest combined rating across the eight hazards FEMA measures, among ZIP codes with at least 5,000 residents.
Will a low-risk ZIP code have cheaper insurance?
Often, but not always. Insurers price each home individually, considering its age, roof, distance to water and claims history. Get a quote before you make an offer.
More rankings
Sources: U.S. Census Bureau American Community Survey 5-year estimates; FEMA National Risk Index (not endorsed by FEMA); U.S. EPA National Walkability Index; Redfin (price per square foot); HUD FY2027 Small Area Fair Market Rents. Town names: GeoNames (CC BY 4.0).