What natural hazards is this address exposed to? Paste one US address or a whole list and see FEMA's National Risk Index for each: the overall risk rating and the rating for 18 hazards, from hurricane and wildfire to tornado, flooding and earthquake. Free, no account.
Quick answer
FEMA's National Risk Index rates every US county and census tract for 18 natural hazards and overall, from very low to very high, compared with the rest of the country. The overall rating weighs the losses a hazard is expected to cause each year against how vulnerable and how resilient the community is. Enter an address to see the ratings for its census tract.
Each one rated for the address's census tract, from very low to very high, against the rest of the US, plus an overall rating.
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US addresses with a house number and a state or ZIP. Only the address is used for the check.
Each rating compares the tract with every other US tract: very high is among the highest in the country, very low among the lowest. A hazard rated relatively high for a tract in Florida (hurricane) or California (earthquake, wildfire) is where you would expect it; the useful surprises are the hazards rated high where nobody looked, like hail or strong wind across the Plains. Where a hazard can't happen (a tsunami inland, avalanche in Florida), FEMA gives no rating.
Insurers and brokers screening a book or a new submission; lenders and property investors comparing sites; property managers planning for the hazards their buildings face; businesses choosing where to put a warehouse or an office. A screening check across a whole list shows where to look harder.
FEMA's National Risk Index, by census tract, from FEMA's own map service. Each address is placed on our own US address data, matched to the census tract it sits in, and given that tract's ratings. Ratings change when FEMA releases a new version of the index, not day to day.
The index describes the area, not the building: two houses in one tract get the same ratings, whatever their height, construction or flood protection. It is not a flood zone determination (use the flood zone checker for FEMA's flood maps) and not an insurance quote. For what is happening right now, see the live warnings map.
A screening check from FEMA's National Risk Index, not an inspection, a flood zone determination or an insurance quote.
What is the FEMA National Risk Index?
FEMA's online tool that rates US counties and census tracts for 18 natural hazards and overall risk, from very low to very high, relative to the rest of the country. It combines the losses each hazard is expected to cause a year with the community's social vulnerability and resilience.
Which hazards does it cover?
Avalanche, coastal flooding, cold wave, drought, earthquake, hail, heat wave, hurricane, ice storm, landslide, lightning, riverine flooding, strong wind, tornado, tsunami, volcanic activity, wildfire and winter weather.
How do I check the tornado risk for an address or ZIP code?
Paste the address into the checker: the tornado rating is one of the 18 columns in the download, alongside hail and strong wind. Ratings are by census tract, which is finer than a ZIP code.
Can I check a whole list of addresses?
Yes. Paste up to 5,000 US addresses or upload a spreadsheet. The first 25 show straight away; enter a work email to check the rest and download the whole list with all 18 hazard ratings for each.
Is this the same as a flood zone?
No. Flood zones come from FEMA's flood maps (the National Flood Hazard Layer) and decide flood insurance requirements; the risk index rates riverine and coastal flooding for the whole tract. Use the flood zone checker for the zone itself.
Does it work outside the US?
No: the National Risk Index covers the United States. For England's flood zones there is a separate checker, and the live warnings map covers the world.
The portfolio risk report adds flood zones and crime to the hazard ratings for a whole spreadsheet. From Claude, the InstaMaps connector rates a whole sheet and writes the ratings back into it, and checks the same list against the warnings in force now.