Hurricane, flood, and wildfire exposure ranked lowest-first — the insurance bill is the tell.
| # | Metro | Median home price | Hazard safety (10 = lowest risk) | Winter mildness | Tax friendliness |
|---|---|---|---|---|---|
| 01 | El Paso, TX | $233K | 10/10 | 8/10 | 9/10 |
| 02 | Athens, GA | $374K | 10/10 | 7/10 | 6/10 |
| 03 | Atlanta, GA | $383K | 10/10 | 7/10 | 6/10 |
| 04 | Richmond, VA | $400K | 10/10 | 6/10 | 5/10 |
| 05 | Virginia Beach, VA | $377K | 10/10 | 7/10 | 5/10 |
| 06 | Portland, ME | $550K | 10/10 | 3/10 | 4/10 |
| 07 | Providence, RI | $532K | 10/10 | 4/10 | 5/10 |
| 08 | Cleveland, OH | $256K | 10/10 | 4/10 | 6/10 |
| 09 | Grand Rapids, MI | $362K | 10/10 | 3/10 | 6/10 |
| 10 | Boise, ID | $497K | 10/10 | 4/10 | 6/10 |
| 11 | Spokane, WA | $425K | 10/10 | 3/10 | 9/10 |
| 12 | Albuquerque, NM | $354K | 10/10 | 6/10 | 5/10 |
| 13 | Portland, OR | $553K | 10/10 | 6/10 | 4/10 |
| 14 | Sacramento, CA | $584K | 10/10 | 7/10 | 2/10 |
| 15 | Boston, MA | $747K | 10/10 | 4/10 | 5/10 |
| 16 | New York, NY | $735K | 10/10 | 5/10 | 3/10 |
| 17 | Albany, NY | $378K | 10/10 | 3/10 | 3/10 |
| 18 | Baltimore, MD | $408K | 10/10 | 5/10 | 5/10 |
| 19 | Detroit, MI | $272K | 10/10 | 4/10 | 6/10 |
| 20 | Tyler, TX | $274K | 10/10 | 8/10 | 9/10 |
| 21 | Grand Junction, CO | $438K | 10/10 | 4/10 | 6/10 |
| 22 | Fort Worth, TX | $367K | 9/10 | 8/10 | 9/10 |
| 23 | San Antonio, TX | $280K | 9/10 | 8/10 | 9/10 |
| 24 | Austin, TX | $427K | 9/10 | 8/10 | 9/10 |
| 25 | Knoxville, TN | $370K | 9/10 | 6/10 | 9/10 |
| 26 | Raleigh-Durham, NC | $438K | 9/10 | 7/10 | 6/10 |
| 27 | Charlotte, NC | $391K | 9/10 | 7/10 | 6/10 |
| 28 | Asheville, NC | $430K | 9/10 | 6/10 | 6/10 |
| 29 | Winston-Salem, NC | $285K | 9/10 | 6/10 | 6/10 |
| 30 | Greenville, SC | $317K | 9/10 | 7/10 | 6/10 |
| 31 | Jacksonville, FL | $354K | 9/10 | 9/10 | 10/10 |
| 32 | St. Petersburg, FL | $361K | 9/10 | 10/10 | 10/10 |
| 33 | Orlando, FL | $387K | 9/10 | 9/10 | 10/10 |
| 34 | Roanoke, VA | $305K | 9/10 | 6/10 | 5/10 |
| 35 | Lancaster, PA | $393K | 9/10 | 5/10 | 6/10 |
| 36 | Pittsburgh, PA | $236K | 9/10 | 4/10 | 6/10 |
| 37 | Burlington, VT | $476K | 9/10 | 3/10 | 4/10 |
| 38 | Portsmouth, NH | $600K | 9/10 | 3/10 | 8/10 |
| 39 | Cincinnati, OH | $313K | 9/10 | 5/10 | 6/10 |
| 40 | Columbus, OH | $335K | 9/10 | 4/10 | 6/10 |
| 41 | Indianapolis, IN | $297K | 9/10 | 5/10 | 7/10 |
| 42 | Ann Arbor, MI | $426K | 9/10 | 3/10 | 6/10 |
| 43 | Madison, WI | $455K | 9/10 | 2/10 | 5/10 |
| 44 | Des Moines, IA | $297K | 9/10 | 3/10 | 6/10 |
| 45 | Fayetteville-Bentonville, AR | $370K | 9/10 | 6/10 | 6/10 |
| 46 | Colorado Springs, CO | $457K | 9/10 | 4/10 | 6/10 |
| 47 | Denver, CO | $573K | 9/10 | 4/10 | 6/10 |
| 48 | Coeur d'Alene, ID | $609K | 9/10 | 3/10 | 6/10 |
| 49 | Santa Fe, NM | $561K | 9/10 | 4/10 | 5/10 |
| 50 | Buffalo, NY | $295K | 9/10 | 3/10 | 3/10 |
| 51 | Hartford, CT | $407K | 9/10 | 4/10 | 4/10 |
| 52 | New Haven, CT | $415K | 9/10 | 4/10 | 4/10 |
| 53 | Toledo, OH | $206K | 9/10 | 4/10 | 6/10 |
| 54 | Fort Wayne, IN | $262K | 9/10 | 4/10 | 7/10 |
| 55 | Springfield, MO | $275K | 9/10 | 5/10 | 6/10 |
| 56 | Gainesville, FL | $306K | 9/10 | 9/10 | 10/10 |
| 57 | Miami, FL | $477K | 9/10 | 10/10 | 10/10 |
| 58 | Augusta, GA | $254K | 9/10 | 8/10 | 6/10 |
| 59 | Waco, TX | $259K | 9/10 | 8/10 | 9/10 |
| 60 | College Station, TX | $311K | 9/10 | 8/10 | 9/10 |
| 61 | Midland, TX | $331K | 9/10 | 8/10 | 9/10 |
| 62 | Dallas, TX | $367K | 8/10 | 8/10 | 9/10 |
| 63 | Birmingham, AL | $264K | 8/10 | 7/10 | 7/10 |
| 64 | Chattanooga, TN | $328K | 8/10 | 7/10 | 9/10 |
| 65 | Nashville, TN | $458K | 8/10 | 6/10 | 9/10 |
| 66 | Columbia, SC | $258K | 8/10 | 8/10 | 6/10 |
| 67 | Tampa, FL | $361K | 8/10 | 10/10 | 10/10 |
| 68 | The Villages, FL | $389K | 8/10 | 9/10 | 10/10 |
| 69 | Lexington, KY | $329K | 8/10 | 5/10 | 6/10 |
| 70 | Traverse City, MI | $427K | 8/10 | 3/10 | 6/10 |
| 71 | Milwaukee, WI | $394K | 8/10 | 3/10 | 5/10 |
| 72 | Minneapolis, MN | $396K | 8/10 | 2/10 | 4/10 |
| 73 | Kansas City, MO | $332K | 8/10 | 5/10 | 6/10 |
| 74 | Oklahoma City, OK | $248K | 8/10 | 6/10 | 6/10 |
| 75 | Fort Collins, CO | $558K | 8/10 | 4/10 | 6/10 |
| 76 | Bend, OR | $672K | 8/10 | 5/10 | 4/10 |
| 77 | Las Vegas, NV | $430K | 8/10 | 8/10 | 10/10 |
| 78 | Allentown, PA | $370K | 8/10 | 4/10 | 6/10 |
| 79 | Harrisburg, PA | $315K | 8/10 | 5/10 | 6/10 |
| 80 | Scranton, PA | $236K | 8/10 | 4/10 | 6/10 |
| 81 | Green Bay, WI | $351K | 8/10 | 2/10 | 5/10 |
| 82 | Rapid City, SD | $376K | 8/10 | 2/10 | 10/10 |
| 83 | Billings, MT | $413K | 8/10 | 3/10 | 6/10 |
| 84 | Montgomery, AL | $216K | 8/10 | 8/10 | 7/10 |
| 85 | Daytona Beach, FL | $332K | 8/10 | 9/10 | 10/10 |
| 86 | Fort Lauderdale, FL | $477K | 8/10 | 10/10 | 10/10 |
| 87 | West Palm Beach, FL | $477K | 8/10 | 10/10 | 10/10 |
| 88 | McAllen, TX | $195K | 8/10 | 10/10 | 9/10 |
| 89 | Ogden, UT | $520K | 8/10 | 4/10 | 6/10 |
| 90 | Houston, TX | $309K | 7/10 | 9/10 | 9/10 |
| 91 | Huntsville, AL | $318K | 7/10 | 7/10 | 7/10 |
| 92 | Louisville, KY | $284K | 7/10 | 6/10 | 6/10 |
| 93 | Omaha, NE | $312K | 7/10 | 4/10 | 6/10 |
| 94 | Tulsa, OK | $256K | 7/10 | 6/10 | 6/10 |
| 95 | Prescott, AZ | $550K | 7/10 | 6/10 | 8/10 |
| 96 | San Diego, CA | $941K | 7/10 | 9/10 | 2/10 |
| 97 | Washington, DC | $585K | 7/10 | 6/10 | 5/10 |
| 98 | Philadelphia, PA | $395K | 7/10 | 5/10 | 6/10 |
| 99 | Chicago, IL | $360K | 7/10 | 3/10 | 5/10 |
| 100 | Fargo, ND | $329K | 7/10 | 1/10 | 8/10 |
| 101 | Cheyenne, WY | $393K | 7/10 | 3/10 | 10/10 |
| 102 | Provo, UT | $548K | 7/10 | 5/10 | 6/10 |
| 103 | Yuma, AZ | $282K | 7/10 | 9/10 | 8/10 |