10 Safest and Riskiest Places in the U.S. for Natural Disasters

Quick Answer: Top 3 Safest and Riskiest States for Real Estate Agents

• Safest: Maine, Vermont, New Hampshire

• Riskiest: Florida, California, Texas

Why Safety Should Matter When Choosing Where to Work in Real Estate

When you launch a career in real estate, you're not just picking a profession, you’re planting roots. Your location determines your client base, your day-to-day lifestyle, and your long-term income stability. One factor many aspiring agents overlook? Natural disaster risk.

From wildfires in California to hurricanes in Florida, the U.S. sees billions in weather-related damages each year. These disasters don’t just disrupt communities; they also rattle local housing markets. If you're deciding where to get licensed or where to grow your real estate business, it pays to consider both opportunity and resilience.

Low-Risk States: Where Natural Disasters Are Rare

1. Maine

Maine ranks as one of the least disaster-prone states in the country. It offers a slower-paced market with stable pricing and older housing stock, making it ideal for agents who want to help educate first-time buyers and retirees. This state is a strong fit for agents looking for a community-driven, low-risk environment.

Learn more about Maine's natural hazards from the Maine Emergency Management AgencyHazards Natural Hazards Mema.

2. Vermont

With minimal earthquake or hurricane activity, Vermont offers dependable market conditions. Its buyers tend to be loyal and community-minded, which can lead to long-term relationships and steady referrals.

For detailed information on Vermont's hazard mitigation strategies, refer to the Vermont Emergency ManagementPlans SHMP Vem.vermont.gov.

3. New Hampshire

New Hampshire offers mountainous protection from coastal weather and a consistent demand for both suburban and rural homes. It’s also a practical choice for agents who want to live and work in a scenic, safe region.

Explore New Hampshire's disaster preparedness resources on FEMA's New Hampshire pageNew%20hampshire Locations.

High-Risk States with Big Market Rewards

1. Florida

Florida is frequently affected by hurricanes, but remains one of the fastest-growing housing markets in the country. Cities like Tampa, Orlando, and Miami attract thousands of new residents every year. Licensed agents who understand storm preparation and insurance requirements often become indispensable to buyers navigating this complex terrain.

Stay updated on Florida's current hazards through the Florida Department of HealthEmergency Preparedness And Response Prepare Yourself Current Hazards Index.html Programs And Services.

2. California

California faces wildfires, earthquakes, and a high cost of living, yet it also boasts some of the highest property values in the country. For agents willing to manage risk, the rewards include large commissions and access to both luxury and investment clients.

Understand the natural disaster risks in California by visiting the California Residential Mitigation Program.

3. Texas

From hurricanes to tornadoes to flooding, Texas sees a range of weather challenges. Yet, it's also a magnet for corporate relocations and population growth. Agents who can navigate these challenges are well-positioned to succeed.

Learn about Texas's natural disasters and preparedness strategies at Texas ReadyBe Informed Natural Disasters Texasready.gov.

Thriving as an Agent in a Disaster-Prone Market

Even if you're based in a disaster-prone state, you can still thrive. Many successful agents build niche expertise in helping clients prepare for, recover from, or relocate after major weather events. If anything, challenging markets can increase your value—if you know how to guide clients through uncertainty.

Start Planning Your Real Estate Career

If you're in the research stage of your real estate journey, you might be asking:

• Where should I get licensed?

• What kind of market is best suited to my lifestyle?

• How do I build a resilient career from day one?

Not Sure If Real Estate Is Right for You?

Before you choose a state or start studying, take a step back and explore whether a real estate career fits your strengths, goals, and lifestyle. Our free guide breaks it down, so you can make a confident decision from day one.

See if real estate is the right path for you
Unlock Potential Real Estate Career

Licensing, Location & Risk: What Aspiring Agents Ask Most

What’s the best state to start your real estate career?

It depends on your risk tolerance and financial goals. Low-risk states, such as Vermont, offer peace of mind, while high-risk states, like Florida, offer higher commissions and greater volume.

Can I obtain a license in more than one state?

Yes. Many agents hold licenses in multiple states, particularly if they reside near state borders or serve clients relocating to new areas. 

Does AceableAgent serve all 50 states?

AceableAgent offers pre-licensing education in select states. Visit our state availability page#states Real Estate License to see if your state is covered.

What happens if a disaster hits my market?

Expect delayed closings and temporary price adjustments, but also increased demand for knowledgeable agents who can guide clients through the recovery process.

Ready to Get Licensed and Build Your Career?

AceableAgent offers fully online, state-approved real estate coursesReal Estate License you can complete at your pace—from anywhere. Get licensed in as little as a few weeks and start building a flexible, rewarding career.

Start your real estate course today.