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The 2026 Water Damage Risk Index

We ranked 839 US cities by how exposed their homes are to water damage, using public data on housing age, winter freezes, precipitation and federal disaster declarations.

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Highest risk, 2026

1. Lowell, MA
86
2. Bristol, CT
85
3. Brockton, MA
84
4. Newton, MA
84
5. Lawrence, MA
84

839 cities
1. Lowell, MA 86 75% 148 48.51 15
2. Bristol, CT 85 69% 142 53.46 18
3. Brockton, MA 84 81% 129 50.23 14
4. Newton, MA 84 80% 121 49.36 15
5. Lawrence, MA 84 78% 124 49.25 16
6. Pawtucket, RI 84 84% 129 51.91 12
7. Portland, ME 84 76% 144 48.12 10
8. Utica, NY 84 87% 140 44 12
9. Worcester, MA 83 75% 130 48.26 15
10. Springfield, MA 83 83% 144 45.16 11
11. New Bedford, MA 83 84% 123 45.94 16
12. Framingham, MA 83 73% 143 47.26 15
13. Waterbury, CT 82 76% 129 44.86 18
14. Meriden, CT 82 75% 129 44.86 18
15. Chicopee, MA 82 80% 144 45.16 11
16. Lewiston, ME 82 80% 141 45.18 9
17. Rutland, VT 82 84% 164 40.29 14
18. Yonkers, NY 81 81% 109 51.24 15
19. Lynn, MA 81 78% 108 48.02 16
20. Fall River, MA 81 78% 123 45.94 16
21. Hammond, IN 81 89% 126 42.1 14
22. Schenectady, NY 81 85% 136 40.68 12
23. Haverhill, MA 81 63% 143 49.58 16
24. Weymouth Town, MA 81 71% 115 52.32 14
25. Quincy, MA 80 69% 115 52.32 14
26. Norwalk, CT 80 69% 119 51.61 17
27. New Britain, CT 80 83% 121 42.83 13
28. Buffalo, NY 79 90% 124 40.68 7
29. Cambridge, MA 79 68% 121 49.36 15
30. Hartford, CT 79 80% 121 42.83 13
31. Manchester, NH 79 65% 161 42.51 14
32. Bethlehem, PA 79 80% 118 47.36 14
33. Waltham, MA 79 69% 139 42.6 15
34. Methuen, MA 79 64% 124 49.25 16
35. Troy, NY 79 83% 131 42.09 13
36. Charleston, WV 79 79% 94 46.24 20
37. Huntington, WV 79 83% 98 45.27 17
38. Providence, RI 78 82% 109 47.54 12
39. Bridgeport, CT 78 80% 92 44.09 17
40. Nashua, NH 78 60% 149 46.25 14
41. Trenton, NJ 78 79% 109 47.35 14
42. New Rochelle, NY 78 76% 109 51.24 15
43. Somerville, MA 78 80% 92 43.59 15
44. Gary, IN 78 88% 117 39.16 14
45. Taunton, MA 78 64% 128 48.77 16
46. West Haven, CT 78 80% 102 41.79 18
47. Florissant, MO 78 90% 85 41.7 18
48. Burlington, VT 78 72% 145 37.53 19
49. New Haven, CT 77 78% 102 41.79 18
50. Clifton, NJ 77 84% 89 46.29 13
51. Cranston, RI 77 78% 109 47.54 12
52. Passaic, NJ 77 87% 89 46.29 13
53. Plainfield, NJ 77 85% 103 48.72 11
54. Peabody, MA 77 64% 126 44.89 16
55. Concord, NH 77 61% 165 41.95 14
56. Philadelphia, PA 76 83% 62 50.69 12
57. St. Louis, MO 76 86% 79 43.91 14
58. Birmingham, AL 76 72% 47 56.62 23
59. Stamford, CT 76 58% 119 51.61 17
60. Albany, NY 76 79% 136 40.68 10
61. Danbury, CT 76 57% 134 48.03 17
62. Warwick, RI 76 77% 109 47.54 12
63. Mount Vernon, NY 76 82% 67 49.85 15
64. Medford, MA 76 76% 92 43.59 15
65. Hempstead, NY 76 85% 83 45.33 14
66. Everett, MA 76 77% 92 43.59 15
67. Harrisburg, PA 76 85% 111 45.23 10
68. Paterson, NJ 75 77% 108 44.88 13
69. East Orange, NJ 75 76% 83 50.42 14
70. Bangor, ME 75 70% 161 41.71 6
71. Boston, MA 74 72% 92 43.59 14
72. Reading, PA 74 90% 107 45.21 10
73. Camden, NJ 74 81% 62 50.69 11
74. Malden, MA 74 71% 92 43.59 15
75. White Plains, NY 74 71% 105 47.75 15
76. Milford, CT 74 68% 92 44.09 18
77. Memphis, TN 73 67% 44 54.94 17
78. New Orleans, LA 73 74% 2 60.12 30
79. St. Joseph, MO 73 74% 126 34.76 14
80. West Allis, WI 73 84% 133 39.36 8
81. Lancaster, PA 73 86% 111 44.15 8
82. Perth Amboy, NJ 73 70% 111 49.53 11
83. Anderson, IN 73 75% 112 43.76 11
84. Louisville, KY 72 61% 85 53.11 14
85. Shreveport, LA 72 65% 30 51.43 21
86. Scranton, PA 72 88% 122 38.72 11
87. Pensacola, FL 72 65% 11 68.31 26
88. New York, NY 71 79% 66 47.13 12
89. Milwaukee, WI 71 84% 134 33.82 8
90. Newark, NJ 71 66% 83 50.42 14
91. Baton Rouge, LA 71 58% 20 60.5 31
92. Mobile, AL 71 61% 15 60.52 25
93. Kansas City, KS 71 76% 93 38.13 16
94. Jackson, MS 71 73% 32 51.33 15
95. Evansville, IN 71 73% 69 47.79 12
96. Wilmington, DE 71 79% 87 50.31 9
97. Skokie, IL 71 85% 128 39.51 8
98. Revere, MA 71 65% 92 43.59 14
99. Springfield, MO 70 58% 89 46.51 17
100. Elizabeth, NJ 70 73% 80 46.6 11
101. Allentown, PA 70 82% 118 47.36 8
102. Independence, MO 70 70% 113 44.66 9
103. South Bend, IN 70 79% 133 40.87 7
104. Vineland, NJ 70 65% 108 43.37 12
105. New Brunswick, NJ 70 62% 111 49.53 11
106. Indianapolis, IN 69 59% 120 44.58 11
107. Washington, DC 69 69% 84 45.59 12
108. Baltimore, MD 69 82% 52 43.73 9
109. Knoxville, TN 69 59% 87 55.8 9
110. Bayonne, NJ 69 79% 80 46.6 9
111. Kenner, LA 69 58% 5 63.35 33
112. North Miami, FL 69 79% 0 68.33 22
113. Omaha, NE 68 61% 135 31.86 16
114. Hollywood, FL 68 75% 0 65.04 23
115. Syracuse, NY 68 86% 133 39.88 7
116. Racine, WI 68 87% 119 36.98 7
117. Newark, OH 68 71% 129 43.4 9
118. Tulsa, OK 67 65% 72 40.96 11
119. Rockford, IL 67 74% 136 37.24 6
120. Lafayette, LA 67 48% 18 64.74 27
121. St. George, LA 67 n/a 20 60.5 31
122. Evanston, IL 67 76% 128 39.51 8
123. Muncie, IN 67 72% 119 40.26 8
124. North Little Rock, AR 67 57% 50 50.42 14
125. Council Bluffs, IA 67 66% 135 31.86 12
126. Owensboro, KY 67 65% 83 45.56 11
127. Dubuque, IA 67 73% 133 38.83 10
128. Fort Wayne, IN 66 64% 124 39.48 9
129. Miami Gardens, FL 66 72% 0 68.33 22
130. Lawton, OK 66 64% 70 34.18 16
131. Sioux City, IA 66 78% 160 30.28 7
132. Lake Charles, LA 66 50% 11 59.75 27
133. Cicero, IL 66 92% 106 34.42 8
134. Waterloo, IA 66 76% 151 36.29 8
135. Union City, NJ 66 71% 67 49.52 9
136. Grand Forks, ND 66 45% 179 22.83 21
137. Oak Lawn, IL 66 78% 108 40.88 8
138. Berwyn, IL 66 93% 106 34.42 8
139. Enid, OK 66 70% 85 33.29 10
140. St. Petersburg, FL 65 70% 0 52.48 25
141. Richmond, VA 65 71% 74 45.5 10
142. Little Rock, AR 65 53% 50 50.42 14
143. Duluth, MN 65 78% 161 31.45 8
144. Bossier City, LA 65 51% 29 48.87 22
145. Burlington, NC 65 53% 72 47.06 14
146. Decatur, AL 65 56% 52 57.97 13
147. Rocky Mount, NC 65 53% 70 48.56 15
148. Oak Park, IL 65 86% 106 34.42 8
149. Hoffman Estates, IL 65 63% 153 38.02 8
150. Barnstable Town, MA 65 55% 101 45.67 11
151. Columbia, TN 65 49% 93 56.77 9
152. Morgantown, WV 65 64% 102 43.15 10
153. Cincinnati, OH 64 80% 102 43.4 7
154. Chattanooga, TN 64 55% 56 55 11
155. Fort Lauderdale, FL 64 65% 0 64.25 23
156. Pompano Beach, FL 64 67% 0 55.62 23
157. Roanoke, VA 64 78% 77 42.82 8
158. Parma, OH 64 89% 111 41.03 7
159. Lauderhill, FL 64 68% 0 56.5 23
160. Canton, OH 64 88% 120 41.57 6
161. Kokomo, IN 64 66% 131 44.4 5
162. Youngstown, OH 64 90% 127 41.19 5
163. Midwest City, OK 64 60% 72 36.39 13
164. Des Plaines, IL 64 71% 121 37.86 8
165. Springfield, OH 64 84% 126 40.25 6
166. St. Paul, MN 63 78% 146 29.2 8
167. Des Moines, IA 63 70% 128 36.55 10
168. Pasadena, TX 63 57% 4 55.62 20
169. Dayton, OH 63 85% 107 41.65 6
170. Baytown, TX 63 49% 9 64.73 20
171. Miami Beach, FL 63 67% 0 57.18 22
172. Greenville, SC 63 42% 73 50.73 16
173. Jackson, TN 63 43% 71 56.89 12
174. Palatine, IL 63 59% 137 40.43 8
175. Dearborn Heights, MI 63 90% 136 35.05 6
176. Kettering, OH 63 86% 107 41.65 6
177. Mount Prospect, IL 63 76% 122 32.28 8
178. West New York, NJ 63 64% 67 49.52 9
179. La Crosse, WI 63 66% 148 37.47 9
180. Detroit, MI 62 90% 125 34.89 6
181. Jersey City, NJ 62 56% 83 50.42 9
182. Rochester, NY 62 87% 129 35.09 5
183. Tallahassee, FL 62 37% 27 58.81 28
184. Columbia, SC 62 50% 47 46.34 17
185. Tuscaloosa, AL 62 42% 47 57.31 18
186. Dearborn, MI 62 84% 136 35.05 6
187. Fort Smith, AR 62 56% 63 47.34 8
188. Southfield, MI 62 79% 146 33.02 6
189. Sarasota, FL 62 58% 1 49.05 29
190. St. Clair Shores, MI 62 91% 124 35.81 5
191. Port Arthur, TX 62 57% 8 62.13 13
192. Joplin, MO 62 46% 87 45.58 13
193. Mishawaka, IN 62 57% 133 40.87 7
194. Chicago, IL 61 75% 106 34.42 8
195. Nashville, TN 61 41% 76 53.24 11
196. Kansas City, MO 61 63% 93 38.13 9
197. Lexington, KY 61 45% 90 49.84 10
198. Hialeah, FL 61 60% 0 62.65 22
199. Grand Rapids, MI 61 76% 143 39.6 4
200. Montgomery, AL 61 55% 40 51.77 13
201. Alexandria, VA 61 60% 60 41.82 9
202. Cedar Rapids, IA 61 59% 144 35.91 9
203. Fargo, ND 61 37% 183 24.4 17
204. Wilmington, NC 61 38% 37 60.15 21
205. Topeka, KS 61 68% 114 37.29 8
206. Tyler, TX 61 53% 29 47.66 14
207. Beaumont, TX 61 53% 9 65.07 13
208. Erie, PA 61 89% 111 42.98 4
209. Deerfield Beach, FL 61 59% 0 55.62 23
210. Flint, MI 61 94% 148 32.88 2
211. Schaumburg, IL 61 53% 153 38.02 8
212. Gulfport, MS 61 44% 16 62.82 20
213. Bellevue, NE 61 48% 134 33.07 14
214. Margate, FL 61 59% 0 56.5 23
215. Terre Haute, IN 61 71% 116 44.67 6
216. Bartlett, TN 61 28% 68 57.18 17
217. Newark, DE 61 54% 97 46.96 9
218. South Burlington, VT 61 31% 145 37.53 19
219. Columbus, OH 60 50% 113 44.66 9
220. Minneapolis, MN 60 72% 147 34.35 7
221. Pittsburgh, PA 60 83% 106 41.34 5
222. Gainesville, FL 60 44% 15 48.31 25
223. Lakeland, FL 60 45% 3 56.82 23
224. Clearwater, FL 60 56% 0 53.62 25
225. Davenport, IA 60 70% 118 38.81 9
226. Kenosha, WI 60 63% 135 31.88 7
227. Portsmouth, VA 60 68% 51 53.34 8
228. Livonia, MI 60 78% 146 33.02 6
229. Daytona Beach, FL 60 47% 3 51.25 27
230. Largo, FL 60 56% 0 53.62 25
231. Jacksonville, NC 60 37% 43 56.51 21
232. St. Charles, MO 60 38% 105 45.71 13
233. Dothan, AL 60 47% 21 53.85 18
234. Ocala, FL 60 43% 8 51.64 26
235. Hamilton, OH 60 78% 115 41.42 5
236. Olympia, WA 60 48% 77 50.62 12
237. Pinellas Park, FL 60 57% 0 53.62 25
238. Middletown, OH 60 74% 120 42.31 5
239. Cuyahoga Falls, OH 60 71% 133 41.58 6
240. Houston, TX 59 47% 5 54.12 20
241. Oklahoma City, OK 59 47% 72 36.39 13
242. Madison, WI 59 51% 157 40.18 6
243. Fayetteville, NC 59 44% 63 47.93 14
244. High Point, NC 59 40% 69 48.27 12
245. Lansing, MI 59 80% 143 33.33 4
246. Hoover, AL 59 28% 51 55.62 23
247. Lynchburg, VA 59 66% 119 43.61 6
248. Rockville, MD 59 51% 86 41.32 9
249. Pontiac, MI 59 75% 135 33.88 6
250. Hoboken, NJ 59 52% 67 49.52 9
251. Jeffersonville, IN 59 48% 77 47.99 10
252. Elyria, OH 59 75% 115 41.96 6
253. Burien, WA 59 67% 25 39.34 14
254. Lawrence, IN 59 35% 113 47.18 11
255. St. Louis Park, MN 59 66% 156 34.68 7
256. Aberdeen, SD 59 62% 180 22.36 9
257. Greensboro, NC 58 43% 63 45.89 12
258. Akron, OH 58 83% 118 32.51 6
259. Newport News, VA 58 51% 64 45.14 11
260. Columbia, MO 58 32% 93 44.82 14
261. Arlington Heights, IL 58 64% 122 32.28 8
262. Janesville, WI 58 63% 148 37.43 5
263. Lorain, OH 58 80% 115 36.72 6
264. Kannapolis, NC 58 44% 74 47.87 11
265. Taylor, MI 58 83% 120 34.32 6
266. Bradenton, FL 58 43% 1 56.28 30
267. Royal Oak, MI 58 82% 113 29.89 6
268. Manhattan, KS 58 47% 125 35.77 13
269. Edina, MN 58 68% 147 31.62 7
270. Elkhart, IN 58 68% 125 39.85 4
271. Galveston, TX 58 61% 2 47.22 16
272. Miami, FL 57 51% 0 57.18 22
273. Cleveland, OH 57 85% 92 33.34 7
274. Toledo, OH 57 84% 118 32.36 5
275. Winston-Salem, NC 57 48% 64 43.2 11
276. Clarksville, TN 57 26% 78 53.5 13
277. Warren, MI 57 83% 113 29.89 5
278. Everett, WA 57 48% 51 40.25 17
279. Greenville, NC 57 27% 54 53.44 19
280. Bloomington, MN 57 67% 147 31.62 7
281. Waukegan, IL 57 68% 132 35.3 4
282. Bloomington, IN 57 44% 109 49.38 8
283. Longview, TX 57 55% 38 50.5 8
284. Bowling Green, KY 57 37% 82 50.1 10
285. Ames, IA 57 40% 147 35.91 12
286. Decatur, IL 57 79% 110 40.44 2
287. Shoreline, WA 57 65% 25 37.82 14
288. Bowie, MD 57 47% 103 45.01 8
289. Gallatin, TN 57 28% 101 54.96 11
290. Wheaton, IL 57 62% 144 40.18 4
291. Collierville, TN 57 11% 75 56.96 17
292. Downers Grove, IL 57 64% 144 40.18 4
293. Jacksonville, FL 56 40% 4 47.6 27
294. Tampa, FL 56 45% 1 49.48 25
295. Garland, TX 56 55% 35 41.91 11
296. Huntsville, AL 56 44% 56 54.29 11
297. Savannah, GA 56 59% 21 48.12 11
298. Hampton, VA 56 57% 52 47.83 9
299. Ann Arbor, MI 56 63% 147 37.87 4
300. Asheville, NC 56 48% 77 40.61 12
301. Melbourne, FL 56 39% 2 55.28 25
302. Jonesboro, AR 56 34% 65 48.51 13
303. Wyoming, MI 56 64% 143 39.6 4
304. Johnson City, TN 56 46% 94 48.03 7
305. Tamarac, FL 56 48% 0 56.5 23
306. Hendersonville, TN 56 37% 86 47.93 11
307. Fort Pierce, FL 56 44% 1 55.89 22
308. Stillwater, OK 56 44% 88 36.04 8
309. Atlanta, GA 55 43% 52 48.13 9
310. Durham, NC 55 30% 84 48.57 12
311. Norfolk, VA 55 67% 33 45.68 8
312. North Charleston, SC 55 32% 22 52.51 19
313. Peoria, IL 55 69% 118 37.55 3
314. Pueblo, CO 55 72% 152 13.82 3
315. Carmel, IN 55 22% 122 44.4 11
316. Gastonia, NC 55 52% 61 43.95 9
317. Westland, MI 55 72% 120 34.32 6
318. Appleton, WI 55 65% 157 33.15 5
319. Albany, GA 55 63% 28 46.63 10
320. Chapel Hill, NC 55 35% 68 43.56 13
321. Grand Island, NE 55 58% 145 26.61 7
322. Battle Creek, MI 55 79% 130 31.52 1
323. Greer, SC 55 26% 54 49.67 16
324. Lincoln, NE 54 47% 143 29.34 9
325. Norman, OK 54 38% 77 37.65 10
326. Green Bay, WI 54 65% 159 32.39 3
327. Edmond, OK 54 26% 87 38.24 13
328. Plantation, FL 54 40% 0 68.77 23
329. Sunrise, FL 54 42% 0 56.5 23
330. Rogers, AR 54 17% 101 47.33 13
331. Iowa City, IA 54 45% 135 35.68 9
332. Noblesville, IN 54 21% 122 44.4 11
333. Kalamazoo, MI 54 76% 129 33.23 2
334. Lafayette, IN 54 59% 116 37 6
335. Waukesha, WI 54 51% 143 35.95 6
336. Delray Beach, FL 54 43% 0 63.63 22
337. Sanford, FL 54 30% 3 54.03 25
338. Moore, OK 54 39% 72 36.39 10
339. Springfield, OR 54 60% 52 40.83 10
340. Summerville, SC 54 19% 45 52.7 18
341. Columbus, IN 54 48% 108 47.34 6
342. Cleveland, TN 54 46% 80 57.62 6
343. Dover, DE 54 47% 79 47.61 7
344. Columbus, GA 53 53% 46 51.76 7
345. Broken Arrow, OK 53 26% 81 42.09 11
346. Elgin, IL 53 55% 139 39.85 4
347. Springfield, IL 53 65% 114 40.45 3
348. Boca Raton, FL 53 44% 0 55.62 22
349. Troy, MI 53 58% 135 33.88 6
350. Boynton Beach, FL 53 41% 0 63.63 22
351. Rock Hill, SC 53 35% 51 42.62 15
352. Victoria, TX 53 50% 14 39.35 15
353. St. Peters, MO 53 25% 103 42.34 13
354. Albany, OR 53 48% 54 43.04 11
355. Tinley Park, IL 53 38% 126 42.1 8
356. Goose Creek, SC 53 16% 22 52.51 22
357. Seattle, WA 52 53% 25 37.82 14
358. Honolulu, HI 52 65% 0 150.96 10
359. Orlando, FL 52 33% 2 51.45 23
360. West Palm Beach, FL 52 38% 0 61.75 22
361. Concord, NC 52 28% 74 47.87 11
362. Fayetteville, AR 52 25% 83 46.28 10
363. Springdale, AR 52 26% 83 46.28 10
364. Brooklyn Park, MN 52 51% 155 30.71 7
365. Farmington Hills, MI 52 54% 146 33.02 6
366. Bismarck, ND 52 44% 181 20.35 9
367. Conway, AR 52 19% 66 51.19 12
368. Greenwood, IN 52 27% 120 44.58 9
369. Port Orange, FL 52 26% 3 51.25 27
370. Bentonville, AR 52 10% 101 47.33 13
371. Minnetonka, MN 52 48% 156 34.68 7
372. Dunwoody, GA 52 44% 49 51.43 8
373. Raleigh, NC 51 23% 57 49.36 12
374. Augusta, GA 51 50% 51 44.09 7
375. Macon, GA 51 55% 44 46.91 7
376. Joliet, IL 51 47% 126 38.03 6
377. Sterling Heights, MI 51 58% 129 34.96 5
378. Richardson, TX 51 44% 35 41.91 11
379. Sandy Springs, GA 51 29% 49 51.43 9
380. Fishers, IN 51 5% 122 44.4 11
381. Deltona, FL 51 21% 3 54.03 27
382. North Port, FL 51 13% 3 61.07 29
383. Lawrence, KS 51 39% 104 39.4 10
384. O'Fallon, MO 51 9% 105 44.42 13
385. Kissimmee, FL 51 22% 3 52.57 25
386. Gaithersburg, MD 51 32% 86 41.32 9
387. Oshkosh, WI 51 59% 143 33.29 5
388. Westfield, IN 51 8% 122 44.4 11
389. Sammamish, WA 51 13% 54 63.28 14
390. Apopka, FL 51 11% 13 54.3 23
391. Blue Springs, MO 51 38% 96 38.34 9
392. Great Falls, MT 51 72% 143 15.43 2
393. Texas City, TX 51 45% 2 47.22 16
394. Lacey, WA 51 25% 77 50.62 12
395. Orland Park, IL 51 30% 131 41.39 8
396. Dallas, TX 50 48% 23 38.32 11
397. Wichita, KS 50 57% 103 34.31 7
398. Spokane, WA 50 68% 123 17.36 5
399. Tacoma, WA 50 64% 27 40.81 9
400. Eugene, OR 50 51% 52 40.83 10
401. Lakewood, CO 50 56% 154 17.54 4
402. Bellevue, WA 50 47% 25 37.82 14
403. Miramar, FL 50 29% 0 62.65 23
404. Davie, FL 50 29% 0 68.77 23
405. Mount Pleasant, SC 50 16% 18 51.6 19
406. Frederick, MD 50 35% 84 43.52 8
407. Marysville, WA 50 32% 51 40.25 17
408. St. Cloud, FL 50 20% 3 52.57 25
409. Bolingbrook, IL 50 41% 123 41.14 6
410. Kingsport, TN 50 57% 83 45.03 4
411. Juneau, AK 50 46% 105 89.59 1
412. Denver, CO 49 56% 156 15.36 4
413. Charleston, SC 49 34% 6 44.26 19
414. Mesquite, TX 49 41% 40 40.87 11
415. Coral Springs, FL 49 28% 0 56.5 23
416. Kent, WA 49 39% 39 40.09 14
417. Arvada, CO 49 53% 168 17.11 4
418. Boulder, CO 49 55% 138 21.23 4
419. Fort Myers, FL 49 24% 0 57.41 26
420. Federal Way, WA 49 40% 27 40.81 14
421. Auburn, AL 49 20% 44 56.49 12
422. Mableton, GA 49 35% 64 56.18 7
423. Napa, CA 49 61% 13 26.66 12
424. St. Cloud, MN 49 48% 173 28.49 5
425. Eau Claire, WI 49 57% 149 32.75 2
426. Winter Haven, FL 49 34% 1 46.12 23
427. Corvallis, OR 49 54% 54 43.04 8
428. Montebello, CA 49 84% 1 15.67 10
429. Pico Rivera, CA 49 86% 1 15.67 10
430. Charlotte, NC 48 28% 58 43.6 10
431. Sioux Falls, SD 48 35% 154 28.3 9
432. Grand Prairie, TX 48 31% 52 41.06 11
433. Cary, NC 48 12% 67 48.33 12
434. Pembroke Pines, FL 48 24% 0 61.98 23
435. Palm Bay, FL 48 13% 1 55.55 25
436. League City, TX 48 14% 9 60.2 16
437. Conroe, TX 48 17% 17 51.02 16
438. Palm Coast, FL 48 6% 5 51.44 26
439. Kirkland, WA 48 44% 25 37.82 14
440. Roswell, GA 48 22% 49 51.43 9
441. Warner Robins, GA 48 37% 40 51.79 8
442. Rapid City, SD 48 53% 144 20.02 6
443. Missouri City, TX 48 26% 9 50.15 16
444. Palm Beach Gardens, FL 48 18% 1 66 22
445. Marietta, GA 48 33% 64 56.18 7
446. Lakewood, WA 48 59% 21 42.02 9
447. Santa Cruz, CA 48 68% 6 30.63 11
448. Wake Forest, NC 48 9% 82 47.52 12
449. Valdosta, GA 48 41% 22 48.41 11
450. Mooresville, NC 48 14% 93 44.27 11
451. Kentwood, MI 48 45% 140 39.23 4
452. Sherman, TX 48 50% 43 44.29 6
453. Ocoee, FL 48 16% 2 53.64 23
454. Holly Springs, NC 48 3% 89 47.08 12
455. San Antonio, TX 47 43% 22 33.97 14
456. Cape Coral, FL 47 15% 0 57.41 26
457. Amarillo, TX 47 60% 108 19.66 4
458. Aurora, IL 47 43% 134 39.47 4
459. Rochester, MN 47 41% 156 34.67 6
460. South Fulton, GA 47 23% 36 50.43 9
461. Lee's Summit, MO 47 25% 96 38.34 9
462. West Covina, CA 47 77% 3 14.47 10
463. Ogden, UT 47 66% 117 21.56 3
464. Auburn, WA 47 33% 39 40.09 14
465. Apex, NC 47 4% 67 48.33 12
466. Bloomington, IL 47 48% 133 39.39 1
467. Ankeny, IA 47 19% 150 37.05 10
468. West Des Moines, IA 47 28% 128 36.55 10
469. Cheyenne, WY 47 57% 169 15.99 0
470. Smyrna, TN 47 21% 102 54.15 7
471. Brookhaven, GA 47 30% 49 51.43 8
472. San Rafael, CA 47 71% 3 34.45 10
473. Casper, WY 47 60% 163 13.43 1
474. Southaven, MS 47 23% 44 54.94 9
475. Monterey Park, CA 47 79% 1 15.67 10
476. Clermont, FL 47 13% 3 50.64 24
477. Fairbanks, AK 47 51% 227 13.01 5
478. Murfreesboro, TN 46 18% 89 55.92 7
479. Pearland, TX 46 11% 6 53.32 18
480. Suffolk, VA 46 32% 56 51.82 8
481. Homestead, FL 46 22% 0 59.9 22
482. Missoula, MT 46 49% 163 17.43 4
483. Madison, AL 46 11% 56 54.29 11
484. Burnsville, MN 46 45% 150 32.32 5
485. Pocatello, ID 46 66% 132 12.97 1
486. Coconut Creek, FL 46 21% 0 55.62 23
487. Smyrna, GA 46 28% 64 56.18 7
488. Virginia Beach, VA 45 40% 50 46.62 8
489. Corpus Christi, TX 45 46% 1 34.08 18
490. Athens, GA 45 40% 46 48.95 6
491. Berkeley, CA 45 81% 1 26.12 9
492. Greeley, CO 45 46% 153 14.65 5
493. Sugar Land, TX 45 13% 7 51.11 16
494. Renton, WA 45 39% 30 34.69 14
495. Wichita Falls, TX 45 64% 59 27.89 5
496. Carson, CA 45 78% 1 13.64 10
497. South Gate, CA 45 83% 0 14.25 10
498. Santa Barbara, CA 45 74% 0 18.98 11
499. Whittier, CA 45 89% 0 11.86 10
500. Plymouth, MN 45 33% 156 34.68 7
501. Lakewood, CA 45 89% 0 12.02 10
502. Rochester Hills, MI 45 40% 135 33.88 6
503. Idaho Falls, ID 45 55% 166 13.49 1
504. Alpharetta, GA 45 8% 49 51.43 9
505. Millcreek, UT 45 62% 112 24.34 3
506. Jupiter, FL 45 15% 0 72.19 22
507. Stonecrest, GA 45 20% 68 51.15 8
508. Lebanon, TN 45 27% 91 54.45 5
509. Novato, CA 45 65% 3 34.45 10
510. San Luis Obispo, CA 45 57% 8 17.94 11
511. Portland, OR 44 63% 18 44.07 5
512. Colorado Springs, CO 44 39% 160 15.91 5
513. Anchorage, AK 44 45% 204 22.55 2
514. Irving, TX 44 36% 29 37.01 11
515. Chesapeake, VA 44 32% 52 48.62 8
516. Waco, TX 44 51% 38 37.51 7
517. Torrance, CA 44 82% 0 13.76 10
518. Burbank, CA 44 72% 1 16.5 10
519. Daly City, CA 44 78% 1 20.64 9
520. Bellingham, WA 44 43% 43 35.95 11
521. San Leandro, CA 44 77% 3 18.68 9
522. Johns Creek, GA 44 5% 49 51.43 9
523. Alhambra, CA 44 72% 1 15.67 10
524. North Richland Hills, TX 44 35% 32 37.98 10
525. Weston, FL 44 7% 0 61.98 23
526. Baldwin Park, CA 44 71% 1 15.67 10
527. Coon Rapids, MN 44 43% 172 28.82 3
528. Lynwood, CA 44 86% 0 11.77 10
529. Wellington, FL 44 12% 0 61.75 22
530. Bonita Springs, FL 44 11% 0 53.39 26
531. Normal, IL 44 40% 133 39.39 1
532. Los Angeles, CA 43 70% 1 14.05 10
533. Austin, TX 43 28% 12 36.25 16
534. Port St. Lucie, FL 43 9% 0 58.92 22
535. Glendale, CA 43 69% 1 16.5 10
536. Naperville, IL 43 26% 144 40.18 4
537. Pomona, CA 43 66% 3 14.47 10
538. Pasadena, CA 43 72% 0 20.08 10
539. Abilene, TX 43 56% 48 25.24 6
540. Centennial, CO 43 43% 155 15.02 4
541. Downey, CA 43 83% 0 12.02 10
542. Spokane Valley, WA 43 52% 123 17.36 5
543. El Monte, CA 43 70% 1 15.67 10
544. Norwalk, CA 43 84% 0 11.86 10
545. Champaign, IL 43 44% 120 40.92 1
546. Doral, FL 43 6% 0 67.41 22
547. Alameda, CA 43 73% 3 18.68 9
548. Shawnee, KS 43 37% 128 40.53 4
549. Fulshear, TX 43 3% 7 51.11 16
550. Logan, UT 43 45% 166 16.6 3
551. Arcadia, CA 43 69% 1 15.67 10
552. Harrisonburg, VA 43 38% 123 39 5
553. Watsonville, CA 43 56% 8 22.67 11
554. Fort Worth, TX 42 34% 33 35.34 10
555. Long Beach, CA 42 79% 0 12.02 10
556. Arlington, TX 42 33% 36 36.19 10
557. Lubbock, TX 42 45% 61 19.37 8
558. Salt Lake City, UT 42 65% 81 17.72 3
559. Billings, MT 42 50% 142 14.31 3
560. Inglewood, CA 42 78% 0 11.77 10
561. San Angelo, TX 42 53% 49 20.93 7
562. Longmont, CO 42 37% 178 15.21 4
563. Redmond, WA 42 26% 25 37.82 14
564. Huntersville, NC 42 7% 58 43.6 10
565. Euless, TX 42 32% 29 37.01 10
566. Petaluma, CA 42 52% 21 25.56 10
567. Carson, NV 42 49% 146 9.34 4
568. Apple Valley, MN 42 30% 159 34.12 5
569. Murray, UT 42 54% 112 24.34 3
570. Bothell, WA 42 27% 25 37.82 14
571. Huntington Park, CA 42 74% 0 14.25 10
572. Aurora, CO 41 37% 156 15.36 4
573. Santa Rosa, CA 41 50% 15 31.53 10
574. Carrollton, TX 41 26% 35 41.91 9
575. Concord, CA 41 74% 9 16.05 7
576. Chico, CA 41 45% 40 27.39 10
577. Compton, CA 41 77% 0 11.77 10
578. Loveland, CO 41 34% 174 15.6 4
579. Flagstaff, AZ 41 28% 202 20.52 6
580. Maple Grove, MN 41 26% 155 30.71 7
581. Novi, MI 41 27% 146 33.02 6
582. Waxahachie, TX 41 27% 33 40.8 9
583. Plainfield, IL 41 10% 123 41.14 6
584. Oakland, CA 40 77% 0 22.61 9
585. Salem, OR 40 50% 49 40.08 5
586. Denton, TX 40 27% 38 38.44 9
587. Yakima, WA 40 63% 109 8.6 5
588. Franklin, TN 40 13% 84 53.79 5
589. Santa Monica, CA 40 73% 0 12.17 10
590. Redwood City, CA 40 64% 6 19.02 9
591. Lodi, CA 40 56% 20 18.37 9
592. Rowlett, TX 40 10% 44 39.79 11
593. Palo Alto, CA 40 70% 14 15.12 7
594. Eden Prairie, MN 40 24% 145 30.64 7
595. Fort Collins, CO 39 31% 150 15.88 4
596. Westminster, CO 39 34% 149 14.51 4
597. Santa Maria, CA 39 47% 9 13.32 11
598. Bryan, TX 39 33% 16 41.75 8
599. Santa Fe, NM 39 40% 168 12.79 3
600. Citrus Heights, CA 39 62% 4 19.2 9
601. Blaine, MN 39 28% 172 28.82 3
602. Bellflower, CA 39 71% 0 12.02 10
603. Harlingen, TX 39 36% 1 28.2 17
604. Pflugerville, TX 39 4% 27 37.12 16
605. Redondo Beach, CA 39 67% 0 13.76 10
606. La Mesa, CA 39 73% 3 11.63 8
607. Bozeman, MT 39 32% 178 20.03 2
608. Gardena, CA 39 72% 0 11.77 10
609. Coeur d'Alene, ID 39 35% 120 25.36 7
610. DeSoto, TX 39 21% 27 37.66 11
611. Grapevine, TX 39 16% 44 38.89 10
612. Stockton, CA 38 51% 25 17.29 9
613. Overland Park, KS 38 34% 98 40.73 4
614. Salinas, CA 38 58% 6 12.58 9
615. New Braunfels, TX 38 20% 32 33.57 10
616. Gresham, OR 38 48% 28 40.66 5
617. Eagan, MN 38 25% 147 31.62 5
618. Spring Hill, TN 38 4% 80 55.96 5
619. Twin Falls, ID 38 49% 140 9.2 2
620. San Francisco, CA 37 77% 1 20.64 5
621. Brownsville, TX 37 30% 1 26.78 17
622. Lewisville, TX 37 14% 44 38.89 9
623. Provo, UT 37 46% 111 17.19 3
624. San Mateo, CA 37 70% 0 19.64 9
625. El Cajon, CA 37 68% 3 11.63 8
626. Hawthorne, CA 37 68% 0 11.77 10
627. Commerce City, CO 37 24% 163 14.11 4
628. Walnut Creek, CA 37 66% 4 17.74 7
629. South San Francisco, CA 37 70% 0 19.64 9
630. Lenexa, KS 37 28% 98 40.73 4
631. Diamond Bar, CA 37 50% 3 14.47 10
632. Gillette, WY 37 31% 174 17.59 0
633. Sacramento, CA 36 54% 4 19.2 9
634. Vancouver, WA 36 40% 45 37.47 7
635. Hayward, CA 36 62% 1 16 9
636. Temple, TX 36 36% 33 36.97 6
637. Sandy, UT 36 42% 112 24.34 3
638. Mansfield, TX 36 9% 36 36.19 10
639. Livermore, CA 36 52% 13 14.6 9
640. Lakeville, MN 36 15% 150 32.32 5
641. Paramount, CA 36 63% 0 12.02 10
642. San Bernardino, CA 35 60% 3 12.87 8
643. Lancaster, CA 35 34% 68 6.81 10
644. Olathe, KS 35 25% 98 40.73 4
645. Thornton, CO 35 22% 149 14.51 4
646. Vallejo, CA 35 59% 5 21.49 7
647. Rancho Cordova, CA 35 51% 4 19.2 9
648. Woodbury, MN 35 14% 146 29.2 5
649. Flower Mound, TX 35 5% 44 38.89 9
650. San Marcos, TX 35 23% 20 36.55 8
651. Riverside, CA 34 56% 2 10.02 9
652. Plano, TX 34 18% 35 41.91 7
653. Modesto, CA 34 55% 12 12.27 7
654. Garden Grove, CA 34 77% 0 12.54 7
655. McAllen, TX 34 25% 1 18.68 18
656. West Valley City, UT 34 42% 112 15.52 3
657. College Station, TX 34 18% 16 41.75 8
658. Simi Valley, CA 34 50% 11 16.41 7
659. Sparks, NV 34 34% 141 8.38 4
660. Layton, UT 34 26% 132 26.24 3
661. Redlands, CA 34 58% 3 12.87 8
662. Yuba City, CA 34 44% 23 20.07 8
663. Davis, CA 34 45% 18 19.16 8
664. Union City, CA 34 52% 3 15.94 9
665. Little Elm, TX 34 2% 38 38.44 9
666. Woodland, CA 34 48% 9 20.5 8
667. Taylorsville, UT 34 46% 81 17.72 3
668. Fountain Valley, CA 34 82% 0 11.18 7
669. San Jose, CA 33 60% 2 16.14 7
670. Albuquerque, NM 33 47% 112 9.83 3
671. Laredo, TX 33 24% 5 19.68 12
672. Fremont, CA 33 53% 2 14.37 9
673. Richmond, CA 33 66% 0 24.41 7
674. Edinburg, TX 33 17% 1 24.06 18
675. Jurupa Valley, CA 33 51% 4 9.37 9
676. Westminster, CA 33 76% 0 12.54 7
677. Kennewick, WA 33 51% 76 7.87 5
678. Buena Park, CA 33 76% 0 11.86 7
679. Pharr, TX 33 19% 1 22.16 18
680. Broomfield, CO 33 21% 149 14.51 2
681. La Habra, CA 33 77% 0 11.86 7
682. Cupertino, CA 33 64% 2 13.45 7
683. West Sacramento, CA 33 44% 15 18.14 8
684. Yucaipa, CA 33 54% 3 12.87 8
685. Santa Ana, CA 32 74% 0 12.54 7
686. Santa Clara, CA 32 59% 3 13.48 7
687. Merced, CA 32 43% 24 12.51 8
688. Orem, UT 32 37% 111 17.19 3
689. Redding, CA 32 43% 27 33.52 6
690. Hemet, CA 32 42% 15 12.2 9
691. Mission, TX 32 15% 1 22.16 18
692. Medford, OR 32 46% 64 18.43 2
693. Mountain View, CA 32 60% 2 13.45 7
694. Castle Rock, CO 32 7% 167 17.6 2
695. Upland, CA 32 56% 2 11.64 8
696. Grand Junction, CO 32 42% 117 11.37 1
697. Richland, WA 32 47% 91 7.29 5
698. National City, CA 32 70% 0 9.2 8
699. El Paso, TX 31 44% 42 8.78 6
700. Frisco, TX 31 2% 35 41.91 7
701. McKinney, TX 31 8% 48 38.3 7
702. Killeen, TX 31 25% 31 34.75 6
703. Round Rock, TX 31 11% 27 37.12 7
704. Fullerton, CA 31 71% 0 11.86 7
705. Odessa, TX 31 51% 44 12.28 3
706. Allen, TX 31 7% 48 38.3 7
707. Ventura, CA 31 63% 0 12.93 7
708. Bend, OR 31 21% 168 10.62 3
709. Georgetown, TX 31 9% 28 37.08 7
710. Pleasanton, CA 31 40% 13 14.6 9
711. Kyle, TX 31 4% 20 36.55 8
712. Celina, TX 31 8% 48 38.3 7
713. Wylie, TX 31 7% 44 39.79 7
714. Santee, CA 31 54% 3 11.63 8
715. Anaheim, CA 30 65% 0 13.52 7
716. Reno, NV 30 37% 102 8.09 4
717. Boise City, ID 30 42% 108 11.51 2
718. Huntington Beach, CA 30 69% 0 11.18 7
719. Sunnyvale, CA 30 57% 2 13.45 7
720. Escondido, CA 30 47% 2 14.52 8
721. Thousand Oaks, CA 30 56% 1 12.01 7
722. Vacaville, CA 30 39% 21 24.84 7
723. Leander, TX 30 3% 28 37.08 7
724. Cedar Park, TX 30 6% 27 37.12 7
725. Caldwell, ID 30 29% 132 11.01 2
726. Parker, CO 30 3% 155 15.02 2
727. Oxnard, CA 29 57% 0 12.93 7
728. Ontario, CA 29 50% 2 11.64 8
729. West Jordan, UT 29 19% 112 24.34 3
730. Costa Mesa, CA 29 68% 0 11.18 7
731. Lehi, UT 29 9% 149 13.12 3
732. Porterville, CA 29 50% 15 10.97 6
733. Colton, CA 29 51% 2 9.92 8
734. Prescott Valley, AZ 29 7% 128 16.46 5
735. Santa Clarita, CA 28 31% 1 16.76 10
736. Palmdale, CA 28 20% 38 7.32 10
737. Orange, CA 28 64% 0 12.54 7
738. Nampa, ID 28 26% 132 11.01 2
739. Hillsboro, OR 28 24% 64 35.93 4
740. Beaverton, OR 28 38% 10 39.16 4
741. Pasco, WA 28 34% 112 7.62 4
742. Turlock, CA 28 43% 7 12.39 7
743. Eagle Mountain, UT 28 1% 197 12.51 3
744. Highland, CA 28 44% 3 12.87 8
745. Placentia, CA 28 60% 0 13.52 7
746. Rockwall, TX 28 9% 44 39.79 5
747. Draper, UT 28 5% 133 21.12 3
748. Fresno, CA 27 49% 11 10.99 5
749. Midland, TX 27 36% 54 13.55 3
750. Fairfield, CA 27 38% 8 24.53 7
751. Rio Rancho, NM 27 14% 116 9.52 7
752. Mission Viejo, CA 27 52% 1 12.68 7
753. Herriman, UT 27 4% 149 13.12 3
754. Saratoga Springs, UT 27 1% 149 13.12 3
755. Gilroy, CA 27 36% 16 19.77 7
756. Tigard, OR 27 35% 10 39.16 4
757. Burleson, TX 27 19% 39 36.54 4
758. Delano, CA 27 40% 18 7.51 8
759. San Diego, CA 26 52% 0 11.02 8
760. Oceanside, CA 26 38% 8 11.86 8
761. Rialto, CA 26 44% 2 9.92 8
762. Chino, CA 26 38% 11 9.98 8
763. Manteca, CA 26 28% 19 13.45 9
764. South Jordan, UT 26 9% 112 24.34 3
765. Pittsburg, CA 26 44% 7 12.6 7
766. Apple Valley, CA 26 26% 54 5.57 8
767. Camarillo, CA 26 45% 1 12.01 7
768. Encinitas, CA 26 50% 0 11.39 8
769. San Jacinto, CA 26 24% 15 12.2 9
770. Tucson, AZ 25 53% 12 10.61 2
771. Bakersfield, CA 25 35% 17 6.65 8
772. Moreno Valley, CA 25 19% 25 10.65 9
773. Victorville, CA 25 19% 54 5.57 8
774. Antioch, CA 25 41% 7 12.6 7
775. Hesperia, CA 25 28% 32 7.85 8
776. Tracy, CA 25 24% 26 12.72 9
777. San Ramon, CA 25 25% 19 26.05 7
778. Rocklin, CA 25 15% 20 36.12 7
779. Madera, CA 25 39% 25 10.79 6
780. Corona, CA 24 25% 11 9.98 9
781. Las Cruces, NM 24 34% 69 9.14 4
782. Vista, CA 24 37% 1 13.39 8
783. Perris, CA 24 13% 25 10.65 9
784. Dublin, CA 24 19% 13 14.6 9
785. Hanford, CA 24 39% 24 8.52 6
786. Beaumont, CA 24 17% 15 12.2 9
787. Elk Grove, CA 23 9% 15 18.14 9
788. Menifee, CA 23 20% 9 11.65 9
789. San Marcos, CA 23 27% 2 14.52 8
790. Newport Beach, CA 23 55% 0 9.43 7
791. Milpitas, CA 23 40% 3 13.48 7
792. San Clemente, CA 23 44% 1 12.68 7
793. Lincoln, CA 23 8% 20 36.12 7
794. Roseville, CA 22 17% 23 17.97 7
795. Visalia, CA 22 38% 9 10.32 6
796. Folsom, CA 22 13% 4 19.2 9
797. Tustin, CA 22 47% 0 12.54 7
798. Lake Elsinore, CA 22 14% 9 11.65 9
799. Tulare, CA 22 38% 9 10.32 6
800. Chula Vista, CA 21 42% 0 9.2 8
801. Fontana, CA 21 28% 2 11.64 8
802. Rancho Cucamonga, CA 21 29% 2 11.64 8
803. Lake Forest, CA 21 38% 1 13.06 7
804. Palm Desert, CA 21 33% 1 2.92 9
805. Tempe, AZ 20 41% 10 8.8 4
806. Meridian, ID 20 7% 108 11.51 2
807. Chino Hills, CA 20 17% 11 9.98 8
808. Clovis, CA 19 28% 11 10.99 5
809. Indio, CA 19 25% 1 2.92 9
810. Eastvale, CA 19 2% 11 9.98 9
811. Yorba Linda, CA 19 39% 0 13.52 7
812. Phoenix, AZ 18 42% 3 8.9 4
813. Mesa, AZ 17 29% 11 10.76 4
814. Irvine, CA 17 21% 2 14.12 7
815. Carlsbad, CA 17 30% 0 11.39 8
816. St. George, UT 17 11% 63 9.31 4
817. Marana, AZ 17 4% 67 13.2 2
818. Cathedral City, CA 17 27% 0 4.61 9
819. Glendale, AZ 16 35% 4 8.34 4
820. Temecula, CA 16 7% 0 15.31 9
821. Murrieta, CA 16 6% 0 15.31 9
822. Brentwood, CA 16 10% 7 12.6 7
823. Scottsdale, AZ 15 29% 4 11.61 4
824. Laguna Niguel, CA 15 24% 1 12.68 7
825. Casa Grande, AZ 14 21% 17 7.91 4
826. Las Vegas, NV 13 23% 11 3.99 2
827. North Las Vegas, NV 12 13% 18 4.27 2
828. Peoria, AZ 12 10% 13 9.6 4
829. Maricopa, AZ 12 2% 32 7.11 4
830. Chandler, AZ 11 10% 10 8.8 4
831. Gilbert, AZ 10 4% 11 10.76 4
832. Surprise, AZ 10 3% 13 9.6 4
833. Avondale, AZ 10 12% 6 7.4 4
834. Queen Creek, AZ 10 3% 11 10.76 4
835. Henderson, NV 9 7% 10 4.18 2
836. Yuma, AZ 9 35% 0 3.28 1
837. Buckeye, AZ 8 4% 7 8.18 4
838. Goodyear, AZ 8 4% 6 7.4 4
839. Lake Havasu City, AZ 7 17% 1 4.16 4

Method

The index covers every US city with at least 50,000 residents in the Census Bureau's Vintage 2025 population estimates, plus the three largest cities in states that have fewer, for 839 cities in total. Each city gets a percentile rank on four measures, which are weighted and added to give a score from 0 to 100:

  • Housing age (30%): share of housing units built before 1980, from the American Community Survey 5-year estimates 2020-2024 (table B25034). Older plumbing fails more often.
  • Freezing nights (25%): average number of nights a year below 32°F at the nearest NOAA station with 1991-2020 climate normals. Frozen pipes are one of the most expensive causes of water damage.
  • Precipitation (20%): annual normal precipitation at the same station.
  • Disaster history (25%): number of FEMA disaster declarations since January 2000 for severe storms, floods, hurricanes, tropical storms, coastal storms, winter storms, ice storms and freezing that included the city's main county (OpenFEMA).

Limits: the index measures exposure, not individual homes. It does not use insurance claims data, which is not public at city level, and county-level FEMA counts are shared by every city in the county. Connecticut declarations are matched across the 2022 switch from counties to planning regions.

Download the full dataset (CSV). You are welcome to use it with a link to this page.

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About the index

Which US city has the highest water damage risk?

Lowell, Massachusetts tops the 2026 index with a score of 86 out of 100, followed by Bristol, CT and Brockton, MA. Older housing, many freezing nights and repeated storm declarations push northeastern cities up the list.

Which city has the lowest water damage risk?

Lake Havasu City, Arizona scores lowest at 7. Low scores belong to newer, dry, warm cities, but a low score does not mean no risk: supply lines, water heaters and appliances fail everywhere.

Can I use this data?

Yes. Download the CSV and cite "Water Damage Crews, 2026 Water Damage Risk Index" with a link to this page. The underlying data is public: Census Bureau, NOAA and FEMA.