The Top 15 States at Risk of Hurricane Damage

Press Room

3 hours ago

For a lot of homeowners, summer means more than vacations — it also means staying vigilant during hurricane season.

A problem most associated with Southern states hugging the Gulf Coast, like Florida and Texas, hurricanes also pose a serious threat to the Northeast.

Property data and analytics firm Cotality found that while Florida and Texas have the highest amount of homes with moderate or greater risk of hurricane wind damage, the damage in the Northeast can be more devastating.

“While hurricanes hit the Northeast less frequently than the Gulf Coast, the region’s immense population density and property value mean the stakes are incredibly high,” Cotality vice president of insurance market insights Maiclaire Bolton-Smith said in a release.

“It’s critical that homeowners in the Northeast understand that while landfalling hurricanes may not be as frequent as other states, the risk is still real.”

As for metropolitan areas, New York City ranks ahead of any Florida city, with a reconstruction cost value of more than $1.9 billion. The metro also has the most homes with a moderate or greater risk of hurricane wind damage.

In total, more than 32.2 million homes across the United States are at moderate or greater risk from hurricane winds alone, accounting for over $12.26 trillion in reconstruction cost value, according to Cotality.

Below, see the states where homeowners are at the highest risk of hurricane damage.

Median home price data is from Redfin.

15. Maryland

Baltimore downtown skyline aerial. — Baltimore.

Kruck20/Getty Images

Number of homes with moderate or greater risk: 479,881

Reconstruction cost value: $179.6 billion

Median home price: $446,900

14. Alabama

Number of homes with moderate or greater risk: 768,390

Reconstruction cost value: $232.7 billion

Median home price: $299,000

13. Pennsylvania

Philadelphia.

Jumping Rocks/Universal Images Group via Getty Images

Number of homes with moderate or greater risk: 781,797

Reconstruction cost value: $360 billion

Median home price: $308,500

12. Connecticut

Hartford, Connecticut.

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Number of homes with moderate or greater risk: 813,066

Reconstruction cost value: $426 billion

Median home price: $445,100

11. Georgia

Savannah, Georgia.

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Number of homes with moderate or greater risk: 836,172

Reconstruction cost value: $243.1 billion

Median home price: $373,700

10. Mississippi

Bay St. Louis, Mississippi.

ianmcdonnell/Getty Images

Number of homes with moderate or greater risk: 837,860

Reconstruction cost value: $241.8 billion

Median home price: $265,200

9. Virginia

Richmond, Virginia.

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Number of homes with moderate or greater risk: 1,146,781

Reconstruction cost value: $426.4 billion

Median home price: $462,400

8. South Carolina

Beaufort, South Carolina.

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Number of homes with moderate or greater risk: 1,482,345

Reconstruction cost value: $476.9 billion

Median home price: $397,600

7. Louisiana

Number of homes with moderate or greater risk: 1,657,255

Reconstruction cost value: $515.7 billion

Median home price: $260,300

6. Massachusetts

Number of homes with moderate or greater risk: 1,785,383

Reconstruction cost value: $1 trillion

Median home price: $645,400

5. New Jersey

Atlantic City, New Jersey.

Terrell Washington/Getty Images

Number of homes with moderate or greater risk: 2,208,651

Reconstruction cost value: $1.2 trillion

Median home price: $545,300

4. New York

Number of homes with moderate or greater risk: 2,213,104

Reconstruction cost value: $1.2 trillion

Median home price: $595,900

3. North Carolina

Southport, North Carolina.

Larry Gibson/Getty Images

Number of homes with moderate or greater risk: 3,165,030

Reconstruction cost value: $1.1 trillion

Median home price: $381,700

2. Texas

Fort Worth, Texas.

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Number of homes with moderate or greater risk: 4,763,476

Reconstruction cost value: $1.5 trillion

Median home price: $341,800

1. Florida

St. Augustine, Florida.

Cyndi Monaghan/Getty Images

Number of homes with moderate or greater risk: 8,249,592

Reconstruction cost value: $2.3 trillion

Median home price: $416,800