Top 10 US Cities With Highest Flood Risk

Insureify, an insurance comparison website, conducted an analysis to identify the cities at highest risk of flooding in the United States in 2023.

Statewide, Louisiana and Florida are at highest risk of flooding. However, flood risk varies across the United States, and residents of some cities in New York and New Jersey may also see their property at risk.

Insureify says, “In general, homeowners in flood-prone cities should be aware of the risks, how to mitigate them, and how to protect themselves against the associated costs by purchasing the appropriate amount of flood and home insurance.” “

This information becomes relevant when we consider that an inch of water in a home can cause $25,000 worth of property damage, according to the Federal Emergency Management Agency (FEMA).

Insurify created a flood risk score that takes into account the FEMA risk score for each city’s coastal and riverine flood risk. The researchers also took into account each city’s population, median home insurance premiums and median home value.

According to Insurify, the 10 most vulnerable cities to flooding in the US:

10. Bronx, New York

Flood Risk Score: 43.7
Average monthly home insurance premium: $289
Median Home Value: $365,000

9. Hollywood, Florida

Flood Risk Score: 46.1
Average monthly home insurance premium: $954
Median Home Value: $421,884

8. Cape Coral, Florida

Flood Risk Score: 56.3
Average monthly home insurance premium: $478
Median Home Value: $373,202

7. Jersey City, New Jersey

Flood Risk Score: 56.6
Average monthly home insurance premium: $172
Median Home Value: $539,353

6. Houston, Texas

Flood Risk Score: 68.5
Average monthly home insurance premium: $292
Median Home Value: $258,055

5. Pasadena, Texas

Flood Risk Score: 70.6
Average monthly home insurance premium: $288
Median Home Value: $209,663

4. Brownsville, Texas

Flood Risk Score: 71.1
Average monthly home insurance premium: $158
Median Home Value: $152,195

3. Brooklyn, Nueva York

Flood Risk Score: 72.4
Average monthly home insurance premium: $323
Median Home Value: $749,000

2. Hialeah, Florida

Flood Risk Score: 95.3
Average monthly home insurance premium: $994
Median Home Value: $408,937

1. Miami, Florida

Flood Risk Score: 100.0
Average monthly home insurance premium: $914
Median Home Value: $532,420

For more information about the study, click here.

keep reading:
Most Americans have no idea what is the most common and costliest natural disaster in the country
Nearly half a million vehicles have been stolen in the US in the first half of 2022. In which states has theft increased the most?
How credit scores and zip codes can make auto insurance more expensive for some New Yorkers