We Asked Insurance Workers Where They'd Live In The US To Avoid Future Natural Disasters – Here's What They Said

Mexico Beach, Florida, in the wake of Hurricane Michael. Terry Kelly/Shutterstock.com

His choice is echoed in the research of Kristy Dahl and Astrid Caldas, two senior climatologists at the Union of Concerned Scientists. In studying the number of homes exposed to frequent high-tide flooding, the scientists found that coastal Maine had less property risk compared with most coastal states.

Salt Lake City has easy access to water in the event of a drought.


Those looking to avoid the more devastating effects of climate change should consider a home near a lake in a mountainous region, said Chandu Patel, a fellow at the Casualty Actuarial Society. Lakes provide access to water in the event of a drought, and a high elevation makes residents less vulnerable to sea-level rise.

One community that meets these qualifications is Salt Lake City, a place Collins considered to be relatively low-risk. In September, the city hosted a Global Climate Action Summit. It's also one of four local governments in Utah to pledge to achieve 100% renewable energy and reduce greenhouse-gas emissions.

Chicago is fairly safe from sea level rise.

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Great Lakes states are often seen as less risky when it comes to climate change, said Rick Gorvett, a staff actuary at CAS, one of the four groups involved in the Actuaries Climate Index.

Chicago's northern location protects it from sea level rise and helps mitigate issues of extreme heat. Its proximity to Lake Michigan may also be useful in times of drought.

In 2016, a climate scientist at the University of Chicago dubbed the city "the place to be" when it came to avoiding climate-related disasters.

Madison, Wisconsin, has seen fewer extreme weather conditions in recent years.

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Wisconsin may be known for its cold temperatures, but it's expected to get warmer in the coming years, according to research from the University of Wisconsin-Madison. Scientists predict that by mid-century, the city's annual average temperature will increase by 4 to 9 degrees Fahrenheit, while the number of days with subzero temperatures will decrease by two to three weeks.

But according to Gorvett, the main concern for Midwestern states isn't temperature — it's drought. On this scale, Madison is considered relatively low-risk. Along with other nearby cities, it has witnessed fewer extreme weather conditions over the past 50 or so years.

San Diego has some of the best weather in the country.

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Temperature is one of the most important factors to consider when evaluating climate risk, said Dale Hall, the managing research director at the Society of Actuaries, which also contributed to the Actuaries Climate Index.

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