{"generated":"2026-11-10","title":"Natural-hazard risk by county and census tract (FEMA National Risk Index)","source":"Source: FEMA National Risk Index","terms":"Free to use with attribution to The 479 Report and the original source named in each payload. Provided as-is, no warranty; market commentary, not advice. No MLS or listing data is served here.","as_of":"2026-10-20","as_of_basis":"set by the endpoint","notes":"Expected annual loss = FEMA's modeled average yearly dollar loss to buildings, people (valued in dollars) and agriculture. Ratings are relative to all US counties (or tracts). Social vulnerability and community resilience are FEMA inputs, not 479 judgments. Model output, not a forecast for any one property. Cite 'FEMA National Risk Index'.","source_url":"https://hazards.fema.gov/nri/","tables":{"counties":[{"geography":"county","county":"Benton","population_2020":284135,"building_value_usd":52315715292,"risk_score":88.74,"risk_rating":"Relatively Moderate","risk_state_percentile":88.7,"expected_annual_loss_usd":91894174,"expected_annual_loss_rating":"Relatively Moderate","social_vulnerability_rating":"Very Low","community_resilience_rating":"Relatively Moderate","nri_version":"December 2025","top_hazard_1":"Inland flooding","top_hazard_1_eal_usd":49673827,"top_hazard_2":"Ice storm","top_hazard_2_eal_usd":11413532,"top_hazard_3":"Heat wave","top_hazard_3_eal_usd":7075527,"rating_avalanche":"Not Applicable","rating_coastal_flooding":"Not Applicable","rating_cold_wave":"Relatively Moderate","rating_drought":"Relatively Low","rating_earthquake":"Relatively Low","rating_hail":"Relatively Moderate","rating_hurricane":"Very Low","rating_heat_wave":"Relatively Moderate","rating_inland_flooding":"Relatively Moderate","rating_ice_storm":"Very High","rating_landslide":"Relatively Moderate","rating_lightning":"Relatively High","rating_strong_wind":"Relatively High","rating_tornado":"Relatively Moderate","rating_tsunami":"Not Applicable","rating_volcanic_activity":"Not Applicable","rating_wildfire":"Relatively Moderate","rating_winter_weather":"Relatively High","as_of":"2025-12"},{"geography":"county","county":"Carroll","population_2020":28225,"building_value_usd":7211610867,"risk_score":64.57,"risk_rating":"Relatively Low","risk_state_percentile":64.6,"expected_annual_loss_usd":16383756,"expected_annual_loss_rating":"Relatively Low","social_vulnerability_rating":"Very High","community_resilience_rating":"Very Low","nri_version":"December 2025","top_hazard_1":"Inland flooding","top_hazard_1_eal_usd":7254771,"top_hazard_2":"Tornado","top_hazard_2_eal_usd":2685058,"top_hazard_3":"Cold wave","top_hazard_3_eal_usd":1812922,"rating_avalanche":"Not 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Moderate","as_of":"2025-12"},{"geography":"county","county":"Washington","population_2020":245782,"building_value_usd":45898417878,"risk_score":92.27,"risk_rating":"Relatively Moderate","risk_state_percentile":92.3,"expected_annual_loss_usd":129613310,"expected_annual_loss_rating":"Relatively Moderate","social_vulnerability_rating":"Relatively Low","community_resilience_rating":"Relatively Low","nri_version":"December 2025","top_hazard_1":"Heat wave","top_hazard_1_eal_usd":47221876,"top_hazard_2":"Inland flooding","top_hazard_2_eal_usd":42196882,"top_hazard_3":"Tornado","top_hazard_3_eal_usd":13614626,"rating_avalanche":"Not Applicable","rating_coastal_flooding":"Not Applicable","rating_cold_wave":"Relatively Moderate","rating_drought":"No Rating","rating_earthquake":"Relatively Low","rating_hail":"Relatively High","rating_hurricane":"Very Low","rating_heat_wave":"Relatively High","rating_inland_flooding":"Relatively Moderate","rating_ice_storm":"Very High","rating_landslide":"Relatively Low","rating_lightning":"Relatively High","rating_strong_wind":"Relatively Moderate","rating_tornado":"Relatively High","rating_tsunami":"Not Applicable","rating_volcanic_activity":"Not Applicable","rating_wildfire":"Relatively Moderate","rating_winter_weather":"Very High","as_of":"2025-12"}],"tracts":[{"geography":"census tract","county":"Benton","population_2020":7651,"building_value_usd":1208355441,"risk_score":85.2,"risk_rating":"Relatively High","risk_state_percentile":85.2,"expected_annual_loss_usd":2424478,"expected_annual_loss_rating":"Relatively Moderate","social_vulnerability_rating":"Relatively High","community_resilience_rating":"Relatively Low","nri_version":"December 2025","top_hazard_1":"Inland flooding","top_hazard_1_eal_usd":1372180,"top_hazard_2":"Ice storm","top_hazard_2_eal_usd":270892,"top_hazard_3":"Heat wave","top_hazard_3_eal_usd":190530,"rating_avalanche":"Not Applicable","rating_coastal_flooding":"Not 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