20 Major US Cities Most and Least Threatened by Climate Change

By 2050, climate change will have the biggest negative impact on urban areas located in the Sun Belt.

1 minute read

January 1, 2024, 7:00 AM PST

By Mary Hammon @marykhammon


Cars in traffic jam on Los Angeles highway with road sign in center median warning of extreme heat.

Chris Yarzab, CC BY 2.0 / Wikimedia Commons

Online insurance marketplace Policygenius evaluated the 50 largest U.S. cities to determine which will be most and least impacted by climate change by 2050. The factors analyzed included heat and humidity, flooding and sea level rise, air quality, and frequency of natural disasters such as hurricanes, tornadoes, wildfires, social vulnerability, and community resilience.

Least Impacted

  1. San Francisco, California
  2. Seattle, Washington
  3. Columbus, Ohio
  4. Minneapolis, Minnesota
  5. Baltimore, Maryland
  6. Milwaukee, Wisconsin
  7. Portland, Oregon
  8. Pittsburgh, Pennsylvania
  9. Richmond, Virginia
  10. Denver, Colorado

Most Impacted

  1. Houson, Texas
  2. Miami, Florida
  3. Tampa, Florida
  4. Jacksonville, Florida
  5. Orlando, Florida
  6. New Orleans, Louisiana
  7. Los Angeles, California
  8. Memphis, Tennessee
  9. Riverside, California
  10. Virginia Beach, Virginia

Of the cities ranked most at risk, all are located in the Sunbelt, which often tops lists of the best places to move or retire. Eight of those are located in the South, which was the only region that drew net new residents from other states in 2023, according to data from the U.S. Census Bureau. Experts are concerned this trend will leave an increasing number of people, particularly Black communities and communities of color, vulnerable to the negative impacts of climate change.

Friday, December 22, 2023 in Policygenius

portrait of professional woman

I love the variety of courses, many practical, and all richly illustrated. They have inspired many ideas that I've applied in practice, and in my own teaching. Mary G., Urban Planner

I love the variety of courses, many practical, and all richly illustrated. They have inspired many ideas that I've applied in practice, and in my own teaching.

Mary G., Urban Planner

Get top-rated, practical training

Wastewater pouring out from a pipe.

Alabama: Trump Terminates Settlements for Black Communities Harmed By Raw Sewage

Trump deemed the landmark civil rights agreement “illegal DEI and environmental justice policy.”

April 13, 2025 - Inside Climate News

Logo for Planetizen Federal Action Tracker with black and white image of U.S. Capitol with water ripple overlay.

Planetizen Federal Action Tracker

A weekly monitor of how Trump’s orders and actions are impacting planners and planning in America.

April 23, 2025 - Diana Ionescu

Black and white photos of camp made up of small 'earthquake shacks' in Dolores Park in 1906 after the San Francisco earthquake.

The 120 Year Old Tiny Home Villages That Sheltered San Francisco’s Earthquake Refugees

More than a century ago, San Francisco mobilized to house thousands of residents displaced by the 1906 earthquake. Could their strategy offer a model for the present?

April 15, 2025 - Charles F. Bloszies

Looking out at trees on 4th Street in downtown Los Angeles, California.

LA’s Tree Emergency Goes Beyond Vandalism

After a vandal destroyed dozens of downtown LA trees, Mayor Karen Bass vowed to replace them. Days later, she slashed the city’s tree budget.

April 23 - Torched

White and blue Sacramento regional transit bus with one bike on front bike rack.

Sacramento Leads Nation With Bus-Mounted Bike Lane Enforcement Cameras

The city is the first to use its bus-mounted traffic enforcement system to cite drivers who park or drive in bike lanes.

April 23 - Streetsblog California

View of downtown Seattle with Space Needle and mountains in background

Seattle Voters Approve Social Housing Referendum

Voters approved a corporate tax to fund the city’s housing authority despite an opposition campaign funded by Amazon and Microsoft.

April 23 - Next City