As extreme weather events become more frequent and severe, homebuyers are increasingly concerned about the safety of their investments. Hurricanes, floods, wildfires, and other natural disasters not only threaten property but also drive up insurance costs. Here are the 10 U.S. cities with the lowest risk of climate disasters.
1. Akron, OH
- Share of homes at lowest risk: 91.1%
- Total value of properties at lowest risk: $55.4 billion
Akron leads the pack as one of the safest places to live in the U.S. when it comes to climate-related risks. With over 91% of homes facing minimal risk from hurricanes, floods, and wildfires, Akron offers peace of mind for those looking to invest in a secure location.
2. Cleveland, OH
- Share of homes at lowest risk: 89.3%
- Total value of properties at lowest risk: $163.5 billion
Cleveland's inland location shields it from hurricanes, and its relatively mild weather makes it a low-risk area for natural calamities.
3. Seattle, WA
- Share of homes at lowest risk: 88.4%
- Total value of properties at lowest risk: $784.2 billion
Seattle may be known for its rainy reputation, but when it comes to climate disasters, it fares well. The city offers a solid market for homebuyers concerned about extreme weather threats.
4. Columbus, OH
- Share of homes at lowest risk: 87.7%
- Total value of properties at lowest risk: $197.6 billion
Ohio continues to dominate the list. Columbus's inland location keeps it safe from coastal threats, and the city's flood protection measures further add to its appeal.
5. Cincinnati, OH
- Share of homes at lowest risk: 87.7%
- Total value of properties at lowest risk: $199.3 billion
Cincinnati boasts nearly 88% of homes at low risk from climate disasters. The city's efforts to protect against flooding have helped it maintain this status.
6. Dayton, OH
- Share of homes at lowest risk: 87.2%
- Total value of properties at lowest risk: $57.8 billion
Dayton's strong infrastructure and natural protection from hurricanes and wildfires have earned it a spot on this list. Its lower housing prices make it an affordable option for safety-conscious buyers.
7. Indianapolis, IN
- Share of homes at lowest risk: 86.9%
- Total value of properties at lowest risk: $190.1 billion
Indianapolis offers refuge from extreme weather with minimal exposure to natural disasters.
8. Pittsburgh, PA
- Share of homes at lowest risk: 84.7%
- Total value of properties at lowest risk: $183.3 billion
Pittsburgh's inland position and elevation protect it from many coastal threats, making it a smart choice for safety-conscious buyers.
9. Toledo, OH
- Share of homes at lowest risk: 83.6%
- Total value of properties at lowest risk: $41 billion
Toledo offers affordable housing options with low exposure to natural disasters.
10. Grand Rapids, MI
- Share of homes at lowest risk: 82.2%
- Total value of properties at lowest risk: $93.4 billion
Grand Rapids rounds out the top 10. The city's inland location shields it from hurricanes and wildfires, and its flood risk is relatively low.
Why Climate-Safe Cities Matter
Living in areas with low climate disaster risk offers numerous benefits:
- Reduced risk of property damage
- Lower insurance costs (high-risk areas like Florida have seen premiums skyrocket—four times the national average)
- More stable housing markets
- Better long-term investment protection
As the threat of natural disasters increases, "climate migrants" are relocating from high-risk areas to safer regions. Choosing to live in a safer location can lead to a more secure and fulfilling lifestyle for homeowners.
How to Assess Climate Risk Before Buying
- Check FEMA flood maps for the property
- Research local wildfire risk ratings
- Review historical weather data for the area
- Ask about insurance costs before making an offer
- Consider future climate projections, not just current conditions
Thinking about relocating to a climate-safe city? Find a qualified broker who knows the local market.