The Most Disaster-Prone US States

2026-04-22

Some states are far more prone to federal disaster declarations than others. Texas consistently leads the nation, with hundreds of declarations covering hurricanes, floods, severe storms, and wildfires. Florida ranks second, primarily due to hurricanes and tropical storms that strike the peninsula nearly every year. California faces a dual threat of wildfires and earthquakes, with fire season now extending nearly year-round.

. Louisiana faces hurricanes, flooding, and the ongoing effects of coastal erosion. New York may surprise some, but Superstorm Sandy in 2012 and severe winter storms contribute significantly to its total. Washington state deals with wildfires, floods, and the looming threat of a Cascadia subduction zone earthquake.

. Understanding your state risk profile helps prioritize preparation efforts and insurance coverage..