Florida vs New York
Statewide home-hazard ratings, hazard by hazard. Lower is milder. These are averages across a whole state — a neighborhood can look very different.
How to read the table
Red cells are the higher statewide score for that hazard. Green cells are milder. After you pick a winner on paper, open each state’s profile and verify the address — flood and earthquake are usually separate policies in both places.
| Hazard | Florida | New York |
|---|---|---|
| 🌊 Flooding | Extreme | Major |
| 🌀 Hurricanes | Extreme | Moderate |
| 🌪️ Tornadoes | Moderate | Minor |
| 🔥 Wildfires | Moderate | Minimal |
| 🫨 Earthquakes | Minimal | Minor |
| ❄️ Winter Storms | Minimal | Major |
| 🌡️ Extreme Heat | Extreme | Minor |
| ☀️ Drought | Moderate | Minor |
| ⛰️ Landslides | Minimal | Minor |
| ⛈️ Severe Storms | Major | Moderate |
Higher numbers mean more exposure at the state scale, not a prediction for a given house. Always check FEMA maps and your insurer.