Spending her life in Los Angeles, Morgan Andersen knows natural disasters all too well. In college, an earthquake shook her home hard. Her grandfather was affected by recent wildfires in neighboring Orange County.

“It’s just that constant reminder, ‘Oh yeah, we live somewhere where there’s natural disasters and they can strike at any time,’” said the 29-year-old marketing executive.

The Federal Emergency Management Agency has calculated the risk for every county in America for 18 types of natural disasters, such as earthquakes, hurricanes, tornadoes, floods, volcanoes and even tsunamis. And of the more than 3,000 counties, Los Angeles County has the highest ranking in the National Risk Index.

The way FEMA calculates the index spotlights places long known as danger spots, like Los Angeles, but some other places highlighted run counter to what most people would think. For instance, eastern cities such as New York and Philadelphia rank far higher on the risk for tornadoes than tornado alley stalwarts Oklahoma and Kansas.

And the county with the biggest coastal flood risk is one in Washington state that’s not on the ocean, although its river is tidal.

Those seeming oddities occur because FEMA’s index scores how often disasters strike, how many people and how much property are in harm’s way, how vulnerable the population is socially and how well the area is able to bounce back. And that results in a high risk assessment for big cities with lots of poor people and expensive property that are ill-prepared to be hit by once-in-a-generation disasters.

In Southwest Florida, Lee, Charlotte and Collier counties ranked “relatively high” on the Risk Index, primarily due to, not surprisingly, a “very high” risk of hurricanes and lightning, while cold waves and droughts were listed as “relatively high” risks for inland counties, such as Hendry and DeSoto.

Statewide, Miami-Dade County was ranked as the riskiest place to live in the state and fourth nationwide. Collier was second statewide and 16th in the nation, while Lee ranked 34th nationwide.

While the rankings may seem “counterintuitive,” the degree of risk isn’t just how often a type of natural disaster strikes a place, but how bad the toll would be, according to FEMA’s Mike Grimm.

Take tornadoes. Two New York City counties, Philadelphia, St. Louis and Hudson County, New Jersey, are FEMA’s top five riskiest counties for tornadoes. Oklahoma County, Oklahoma — with more than 120 tornadoes since 1950, including one that killed 36 people in 1999 — ranks 120th.

“They (the top five) are a low frequency, potentially high-consequence event because there’s a lot of property exposure in that area,” said University of South Carolina Hazards & Vulnerability Research Institute Director Susan Cutter, whose work much of the FEMA calculations are based on. “Therefore, a small tornado can create a large dollar loss.”

In New York, people are far less aware of the risk and less prepared — and that’s a problem, Grimm said. The day before he said that, New York had a tornado watch. Days later, the National Weather Service tweeted that in 2020 several cities, mostly along the East Coast, had more tornadoes than Wichita, Kansas.

In general, Oklahoma is twice as likely to get tornadoes as New York City, but the damage potential is much higher in New York because there are 20 times the people and nearly 20 times the property value at risk, FEMA officials said.

“It’s that risk perception that it won’t happen to me,” Grimm said. “Just because I haven’t seen it in my lifetime doesn’t mean it won’t happen.”

That sort of denial is especially true with frequent and costly flooding, he said, and is the reason only 4% of the population has federal flood insurance when about one-third may need it.

Disaster experts say people have to think about the big disaster that happens only a few times a lifetime at most, but is devastating when it hits — Hurricane Katrina, Superstorm Sandy, the 2011 super outbreak of tornadoes, the 1906 San Francisco earthquake or a pandemic.

“We’re bad at taking seriously risks that happen only infrequently,” said David Ropeik, a retired Harvard risk communications lecturer and author of “How Risky Is It, Really?” “We simply don’t fear them as much as we fear things that are more present in our consciousness, more common. That’s practically disastrous with natural disasters.”

Something like FEMA’s new index “opens our eyes to the gaps between what we feel and what is,” Ropeik said.

FEMA’s top 10 riskiest places, in addition to Los Angeles, are three counties in the New York City area — Bronx, New York County (Manhattan) and Kings County (Brooklyn) — along with Miami, Philadelphia, Dallas, St. Louis and Riverside and San Bernardino counties in California.

By the same measurement, Loudoun County, a Washington, D.C. outer suburb, has the lowest risk of any county, according to FEMA. Three other Washington suburban counties rank among the lowest risks for larger counties, along with suburban Boston, Long Island, suburban Detroit and Pittsburgh.

Some of FEMA’s risk rankings by disaster type seem obvious. Miami has the highest risk for hurricanes, lightning, and river flooding. Hawaii County is tops in volcano risk and Honolulu County for tsunamis, Dallas for hail, Philadelphia for heat waves and California’s Riverside County for wildfires.

Outside risk expert Himanshu Grover at the University of Washington called FEMA’s effort “a good tool, a good start,” but one with flaws, such as final scores that seem to downplay disaster frequency.

Risks are changing because of climate change and this index doesn’t seem to address that, Ropeik said. FEMA officials said climate change shows up in flooding calculations and will probably be incorporated in future updates.

This new tool, based on calculations by 80 experts over six years, is about “educating homeowners and renters and communities to be more resilient,” FEMA’s Grimm said, adding that people shouldn’t move into or out of a county because of the risk rating.

10 “riskiest” counties in the U.S.

10. St. Louis County, Mo.
9. Dallas County, Texas
8. San Bernardino County, Calif.
7. Riverside County, Calif.
6. Kings County, New York
5. Philadelphia County, Pa.
4. Miami-Dade County, Fla.
3. New York County, New York
2. Bronx County, New York
1. Los Angeles County, Calif.

10 “safest” counties in the U.S.

10. Brown County, Ill.
9. Prince of Wales-Hyder Census Area, Alaska
8. Slope County, North Dakota
7. Skagway Municipality, Alaska
6. Douglas County, Colorado
5. Kalawao County, Hawaii
4. Loving County, Texas
3. City and Borough of Wrangell, Alaska
2. Chattahoochee County, Georgia
1. Loudoun County, Virginia