Homeowners and insurers alike are struggling with the affects of increasingly damaging natural disasters hitting the United States, and it's no secret that some areas of the country have been less affected than others. In an attempt to figure out the safest places to live in the U.S. when it comes to natural disaster risk, CoreLogic released a study that delves into reconstruction cost value-weighted composite risk scores (CRS) on a county level. The CRS scores risk on a scale of 1 to 100, and represents the sum of the average annual loss (AAL) relative to the calculated reconstruction cost value (RCV). These scores consider both environmental risks and data describing the physical characteristics of homes in these areas. CoreLogic found there are 124 counties in the continental U.S. with a CRS of 1 (the lowest aggregate risk), and the top ten least risky counties were determined based on their underlying AAL. Even the least dangerous counties, however, are at the mercy of climate change, and the study found risk is increasing in these areas when it comes to weather perils like wildfires, severe convective storms and inland flooding. In the slideshow above, we'll look at the counties the study found to have the least risk of natural disasters, as well as how much the shifting climate could increase these counties' risk by 2050 based on CoreLogic's projections.

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Brittney Meredith-Miller

Brittney Meredith-Miller is assistant editor of PropertyCasualty360.com. She can be reached at [email protected].