Best Places to Retire with Low Natural Disaster Risk

This ranking helps retirees look beyond sunshine and scenery to compare places with lower natural-disaster risk. It is most useful when you want to avoid falling in love with a place before checking flood, wildfire, hurricane, heat and resilience tradeoffs.

Risk is part of retirement affordability

A place can look affordable on home price alone and still become expensive if insurance, repairs, evacuation risk, heat, smoke, flooding or storm exposure become part of everyday life. FEMA’s national risk data is useful because it encourages people to think about hazard exposure, resilience and community vulnerability together rather than treating risk as a single headline event.

This page is best used early in the search. Use it to identify lower-risk places, then compare the finalists for healthcare, taxes, cost of living, climate and whether the local pace actually fits your retirement plan.

Use this page before you fall in love with a place

Natural-disaster risk is a practical first filter for retirees because it can affect insurance, maintenance, evacuation planning, long-term housing confidence, and peace of mind. This ranking is meant to narrow the field before you compare affordability, healthcare, air quality, and climate comfort.

A high score here does not mean a place has no risk. It means the place screens better on this part of the RetireScorecard framework and deserves a closer look.

Next pages after a lower-risk shortlist

Lower natural-disaster risk can protect a retirement budget, but it should be checked with everyday livability. Pair this page with affordability, clean air, healthcare access, small-town options, and the broader Best Places to Retire ranking. For state-first searches, start with Colorado, North Carolina, California, or Pennsylvania.

How to read this ranking

Use this ranking when broad exposure to wildfire, hurricanes, flooding, and other major risks matters heavily in the decision. The best fit is usually the place that still works for affordability, healthcare access, and climate after risk narrows the shortlist.

Learn about the methodology

Use the full 2026 study

For a fuller version of this topic with findings, methodology notes, and a clean top-list summary, start with the full study page.

Press release

RetireScorecard also published a press release built around this study for reporters, editors, and local coverage outreach.

Use this ranking with compare pages

Once two places look close, move into a compare page so the score tradeoffs are easier to read side by side.

Top places in this ranking

#1
County · New York

Hamilton County is a stronger fit for retirees who prioritize very low hazard exposure, cleaner air, and a remote Adirondack setting, but it is less appealing for those who need stronger healthcare access.

Disaster Risk
87
Strong
#2
Metro · Vermont

A stronger fit for clean air, healthcare access, and lower-risk New England living than for warm winters or low-cost retirement.

Disaster Risk
85
Strong
#3
Metro · Maine

The Augusta-Waterville metro is a stronger fit for retirees who prioritize lower risk, cleaner air, and more manageable Maine costs, but it is less appealing for those who want warm weather.

Disaster Risk
84
Strong
#4
Metro · Vermont

The Rutland metro is a stronger fit for retirees who prioritize lower risk, cleaner air, and manageable New England costs, but it is less appealing for those who want warm weather or a larger metro service base.

Disaster Risk
84
Strong
#5
County · Maine

Kennebec County is a stronger fit for retirees who prioritize lower risk, cleaner air, and manageable Maine housing costs, but it is less appealing for those who want warm weather.

Disaster Risk
84
Strong
#6
County · Vermont

Chittenden County is Vermont's strongest practical county for retirees who want the state's deepest services base. It is the best fit for function-first retirees and a weaker fit for those chasing quiet postcard Vermont.

Disaster Risk
84
Strong
#7
Metro · New York

The Glens Falls metro is a stronger fit for retirees who prioritize lower risk, cleaner air, and upstate New York livability, but it is less appealing for those who want warm weather or the very lowest costs.

Disaster Risk
83
Strong
#8
County · Vermont

Washington County is a stronger fit for retirees who prioritize lower hazard exposure, cleaner air, and a practical Vermont setting, but it is less appealing for those who want mild winters or big-city convenience.

Disaster Risk
83
Strong
#9
County · New York

Saratoga County works best for retirees who want Capital Region access with a somewhat more polished and lower-intensity feel than Albany County. It is less appealing if taxes matter more.

Disaster Risk
83
Strong
#10
County · Vermont

Rutland County is a stronger fit for retirees who prioritize lower hazard exposure, cleaner air, and a more affordable New England setting, but it is less appealing for those who want milder winters.

Disaster Risk
82
Strong
#11
County · North Dakota

Burleigh County is a stronger fit for retirees who prioritize lower hazard exposure and practical costs, but it is less appealing for those who want milder weather or a stronger retiree-oriented setting.

Disaster Risk
82
Strong
#12
Metro · Wyoming

Laramie is a better fit for retirees who prioritize a lower-risk Mountain West setting, cleaner air, and a calmer university-town environment, but it is less appealing for those who want warmer weather or broader specialist healthcare access.

Disaster Risk
81
Strong
#13
Metro · Utah

Provo-Orem works best for retirees who prioritize lower risk and mountain access, but it is less appealing for those who prioritize lower housing costs.

Disaster Risk
81
Strong
#14
Metro · North Dakota-Minnesota

Fargo is a stronger fit for retirees who prioritize practical costs and lower hazard exposure, but it is less appealing for those who want milder winters or a more retiree-oriented market.

Disaster Risk
81
Strong
#15
County · Iowa

Story County works best for retirees who want a university-linked Iowa county with a more distinctive everyday environment than many practical service counties. It is less appealing if broader services matter more.

Disaster Risk
81
Strong
#16
County · Utah

Salt Lake County is one of Utah’s clearest retirement counties for people who want healthcare access, services, and a major-market base with mountain proximity. It is less compelling if a quieter or lower-cost retirement setup matters more.

Disaster Risk
81
Strong
#17
County · Wyoming

Teton County is a premium scenery-and-lifestyle county for retirees who can afford it. It is among the clearest examples of a place people choose for setting first and practicality second.

Disaster Risk
81
Strong
#18
County · Wyoming

Albany County is a better fit for retirees who prioritize lower long-run disaster exposure, cleaner air, and a practical university-town feel, but it is less appealing for those who prioritize milder weather or a deeper specialist healthcare bench.

Disaster Risk
81
Strong
#19
Metro · North Dakota

Bismarck is a stronger fit for retirees who prioritize lower risk profile and affordability, but it is less appealing for those who prioritize milder weather is the top priority.

Disaster Risk
80
Strong
#20
County · Wyoming

Sheridan County can work for retirees who want one of Wyoming’s stronger blends of scenery, lifestyle appeal, and small-market livability. It is less compelling if the broadest healthcare base matters more.

Disaster Risk
80
Strong
#21
Metro · Wisconsin

Madison stands out for healthcare access, cleaner air, and a lower-risk profile, though affordability and winter climate are meaningful tradeoffs.

Disaster Risk
80
Strong
#22
Metro · South Dakota

Sioux Falls is a stronger fit for retirees who prioritize practical costs, lower hazard exposure, and overall practicality, but it is less appealing for those who want milder winters.

Disaster Risk
80
Strong
#23
Metro · Wyoming

Gillette is a practical fit for retirees who prioritize manageable costs, lower catastrophe exposure, and a smaller Wyoming market, but it is less appealing for those who want stronger specialist healthcare or a more retirement-focused local feel.

Disaster Risk
80
Strong
#24
Metro · Utah

A stronger fit for healthcare access, livability, and a lower-risk western profile than for bargain-level affordability or the mildest winters.

Disaster Risk
80
Strong
#25
Metro · Nebraska

Scottsbluff is a practical fit for retirees who prioritize cost control, cleaner air, and lower long-run catastrophe exposure, but it is less appealing for those who want stronger healthcare depth or milder winter weather.

Disaster Risk
80
Strong
#26
Metro · Wyoming

Casper is a stronger fit for retirees who prioritize practical costs and lower hazard exposure, but it is less appealing for those who want milder weather or stronger healthcare access.

Disaster Risk
80
Strong
#27
Metro · Wyoming

Sheridan is a stronger fit for retirees who prioritize cleaner air, lower hazard exposure, and a calmer western lifestyle, but it is less appealing for those who prioritize mild winters or deeper healthcare access.

Disaster Risk
80
Strong
#28
Metro · Minnesota-Wisconsin

Duluth is a stronger fit for retirees who prioritize affordability and lower-risk Great Lakes living, but it is less appealing for those who want milder winters.

Disaster Risk
80
Strong
#29
County · Wyoming

Natrona County can work for retirees who want a practical central Wyoming county with stronger services than many smaller parts of the state. It is less compelling if lifestyle setting matters more.

Disaster Risk
80
Strong
#30
County · Wyoming

Campbell County is a more practical fit for retirees who prioritize manageable costs, lower catastrophe exposure, and a smaller-market Wyoming profile, but it is less appealing for those who prioritize specialist healthcare depth or milder four-season comfort.

Disaster Risk
80
Strong
#31
County · Utah

Cache County can work for retirees who want northern Utah livability and a calmer setting than the central Wasatch Front. It is less compelling if the broadest healthcare base matters more.

Disaster Risk
80
Strong
#32
Metro · Wisconsin

Appleton stands out for lower-risk upper Midwest living and practical affordability, though winter is the main tradeoff.

Disaster Risk
79
Above average
#33
County · Nebraska

Scotts Bluff County is a practical fit for retirees who prioritize cost control, lower catastrophe exposure, and a smaller western Nebraska setting, but it is less appealing for those who want deep healthcare access or warm-weather retirement comfort.

Disaster Risk
79
Above average
#34
County · New Hampshire

Belknap County can work for retirees who want Lakes Region access and a somewhat more practical feel than the most scenic but remote New Hampshire counties. It is less compelling if broader services matter more.

Disaster Risk
79
Above average
#35
Metro · Pennsylvania

Harrisburg is a stronger fit for retirees who want affordability, healthcare access, and a lower-risk profile, but it is less appealing for those who want milder winters.

Disaster Risk
79
Above average
#36
Metro · Utah

Ogden-Clearfield works best for retirees who prioritize practical Utah living and lower risk, but it is less appealing for those who prioritize much lower housing costs.

Disaster Risk
79
Above average
#37
Metro · Iowa

Cedar Rapids works best for retirees who prioritize affordability and a lower-risk profile, though winter climate is the clearest tradeoff.

Disaster Risk
79
Above average
#38
Metro · Nebraska

North Platte is a practical fit for retirees who prioritize value, lower catastrophe exposure, and a smaller western Nebraska market, but it is less appealing for those who want deeper healthcare access or a more retirement-oriented community feel.

Disaster Risk
79
Above average
#39
County · South Dakota

Pennington County is one of South Dakota’s more distinctive retirement counties for people who want Black Hills setting and a climate profile many retirees prefer to the plains. It is less practical if the deepest statewide healthcare base matters more.

Disaster Risk
79
Above average
#40
Metro · Indiana

Fort Wayne is a practical lower-cost metro with a relatively favorable risk profile, though winter climate is its clearest tradeoff.

Disaster Risk
79
Above average
#41
County · New Jersey

Sussex County is a stronger fit for retirees who prioritize cleaner air and a lower-risk Mid-Atlantic setting, but it is less appealing for those who want mild winters or lower housing costs.

Disaster Risk
79
Above average
#42
County · Montana

Yellowstone County is a stronger fit for retirees who prioritize cleaner air and lower hazard exposure, but it is less appealing for those who prioritize mild winters.

Disaster Risk
79
Above average
#43
Metro · South Dakota

Rapid City is a stronger fit for retirees who prioritize lower risk profile and cleaner air, but it is less appealing for those who prioritize milder weather is the top priority.

Disaster Risk
79
Above average
#44
County · North Dakota

Morton County is a stronger fit for retirees who prioritize affordability, a favorable inland risk profile, and access to the broader Bismarck-area service base, but it is less appealing for those who prioritize mild winters or a more established retiree destination feel.

Disaster Risk
79
Above average
#45
Metro · Virginia

Lynchburg is a stronger fit for retirees who want affordability, cleaner air, and a lower-risk profile, but it is less appealing for those who want a warmer climate or a larger healthcare market.

Disaster Risk
78
Above average
#46
Metro · Pennsylvania

Erie is a stronger fit for retirees who prioritize affordability and lower-risk Great Lakes tradeoffs, but it is less appealing for those who want milder weather.

Disaster Risk
78
Above average
#47
Metro · Virginia

Roanoke is a stronger fit for retirees who want affordability, cleaner air, and a lower-risk profile, but it is less appealing for those who want a warmer climate or a larger healthcare market.

Disaster Risk
78
Above average
#48
Metro · Wisconsin

Green Bay stands out more for practical affordability and a lower-risk upper Midwest profile than for climate comfort.

Disaster Risk
78
Above average
#49
Metro · Minnesota

Rochester stands out for healthcare access and a relatively favorable risk profile, though winter climate is the clearest tradeoff.

Disaster Risk
78
Above average
#50
Metro · Montana

Great Falls is a stronger fit for retirees who prioritize affordability and lower hazard exposure, but it is less appealing for those who want milder winters or bigger-market amenities.

Disaster Risk
78
Above average

Why these places rank well

Places that rise in this ranking tend to line up better with the priorities emphasized here, even if no place is perfect across every category.

Who this ranking is best for

This ranking is best used as a narrowing tool for retirees who want to compare priorities more directly.

Frequently asked questions

How is this ranking calculated?

This page uses RetireScorecard's scoring framework and emphasizes the factors most relevant to retirees who care about lower overall hazard exposure.

Does this ranking include taxes?

Taxes are not a core part of the scoring model.