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HomeRiskIQ research

National Property Risk Index

A national monitoring index for physical, environmental, and climate-related risks that affect homes and communities. Rankings combine long-horizon hazard exposure with current HomeRiskIQ exposure signals across cities and states.

National score

47/100

moderate exposure

Cities monitored

7,431

Current city sample

Top national driver

Hail

Across state scores

Updated May 10, 6:47 PM. Scores are normalized 0-100 exposure signals, not official warnings or insurance determinations.

Citation-ready findings

Chickasaw, AL ranks #1 in the current National Property Risk Index at 74/100.

Pascagoula, MS leads the current flood exposure ranking at 100/100.

Pascagoula, MS shows the highest hurricane-style exposure score in the current city sample.

Mississippi ranks #1 among states in current property-risk exposure, driven most by hail.

Chickasaw, AL is 28 points above its state average, making it a priority property-risk mover market.

Methodology Research room

National index score

47/100

Average of current state exposure scores.

Cities in sample

7,431

Ranked from current HomeRiskIQ city hazard tiles.

High-risk cities

0

Cities currently scoring 75 or higher.

High-risk states

1

States currently scoring 75 or higher.

Highest-ranked city

Chickasaw, AL

74/100 overall; main driver: Storm surge.

Highest-ranked state

Mississippi

76/100 state score; main driver: Hail.

National rankings

Highest property risk cities

#1

Chickasaw, AL

State rank #1 · main driver Storm surge

#2

Fort Myers, FL

State rank #1 · main driver Tornado

#3

Tice, FL

State rank #2 · main driver Tornado

#4

Holly Hill, FL

State rank #3 · main driver Hail

#5

Gulf Hills, MS

State rank #1 · main driver Tornado

#6

St. Martin, MS

State rank #2 · main driver Tornado

#7

Latimer, MS

State rank #3 · main driver Tornado

#8

Pass Christian, MS

State rank #4 · main driver Storm surge

#9

Pascagoula, MS

State rank #5 · main driver Flood

#10

Gulfport, MS

State rank #6 · main driver Storm surge

State rankings

Most weather-exposed states

#1

81 city sample · main driver Hail

76/100

#2

529 city sample · main driver Lightning

73/100

#3

124 city sample · main driver Hail

67/100

#4

86 city sample · main driver Hail

64/100

#5

118 city sample · main driver Hail

62/100

#6

139 city sample · main driver Hail

60/100

#7

477 city sample · main driver Hail

59/100

#8

83 city sample · main driver Hail

59/100

Flood exposure

Highest flood-risk cities

#1 Pascagoula, MS100/100 #2 Lantana, FL100/100 #3 Brunswick, GA100/100 #4 Mulvane, KS100/100 #5 Fernandina Beach, FL100/100

Hurricane exposure

Highest hurricane-exposure cities

#1 Pascagoula, MS92/100 #2 Gulf Park Estates, MS92/100 #3 Marco Island, FL91/100 #4 Key Largo, FL91/100 #5 Pass Christian, MS90/100

Top movers

Current exposure movers

As HomeRiskIQ builds comparison history, this list highlights cities with the largest current gap above their state baseline.

#1 Chickasaw, AL+28 #2 Ketchikan, AK+28 #3 Homer, AK+24 #4 Wrightsboro, NC+23 #5 Houston, TX+22 #6 Seabrook, TX+22

Ranking pages

Highest Property Risk Cities in America Highest Flood Risk Cities in America Highest Hurricane Exposure Cities in America Highest Tornado Risk Cities in America Highest Hail Risk Cities in America Highest Wildfire Risk Cities in America Fastest Rising Property Risk Markets Most Weather-Exposed States

Sources and methodology

FEMA National Flood Hazard Layer

NOAA / NWS active alerts and forecast grids

NOAA Storm Prediction Center severe-weather reports and outlooks

NASA / AirNow air-quality surfaces

ASCE wind-speed surfaces

HomeRiskIQ normalized 0.1-degree hazard tiles

Scores are designed for comparison and research context. They should be cited as exposure signals, not as official emergency guidance, insurance pricing, or parcel-level loss prediction.