As the dangers of global warming lead to heightened natural disasters, those disasters result, at least temporarily, in a higher amount of mortgage defaults.

Consumers looking for more affordable options may not totally factor in the risks associated with natural disasters and the subsequent costs. While borrowers may end up spending more to cover damages, they also run the danger of defaulting on their mortgage.

"When you buy a home you are paying for more than just the house," Daryl Fairweather, Redfin chief economist, said in a press release. "There could be hidden costs associated with natural disasters. If a natural disaster strikes, you may have to pay for damage to your home or for the cost of evacuating your family. And even during times of calm, you may still need to pay for insurance against floods, fire, or earthquakes. Some homes in more hazardous areas might seem more affordable if you are just looking at the sticker price, but they may end up costing more when risks related to natural disasters are factored in."

From Texas to the nation's capital, these are the 12 most hazard-prone housing markets.

Redfin used February 2019 data and rated the 50 biggest metro areas according to their relative frequency of five major types of natural disasters — earthquakes, fires, floods, tornadoes, and hurricanes — using their new metric called the "Natural Disaster Hazard Score."

Each of the five components were measured on a scale of one to 100 — with 100 being the most hazardous metro area for the category and one is the least hazardous. The overall Natural Disaster Hazard Score is an average of the five components' frequencies.
NMN04152019-Redfin Natural Disasters
No. 12 Kansas City, Mo.
Natural disaster hazard score: 35
Most at-risk hazard: Floods (75)
Median home price: $200,000
NMN021219-kansas-city.jpg
The Kansas City skyline continues to grow, but the recognizable Western Auto building and recently renovated Union Station have dominated the landscape for many years.
No. 11 Oklahoma City, Okla.
Natural disaster hazard score: 37
Most at-risk hazard: Fires (67)
Median home price: $174,000
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No. 10 Dallas, Texas
Natural disaster hazard score: 37
Most at-risk hazard: Fires (63)
Median home price: $285,000
8-dallas.jpg
Dallas City Skyline at dusk, sunset. Dallas Texas downtown, business center. Commercial zone in big city. Dallas City view from Reunion Tower.
No. 9 Portland, Ore.
Natural disaster hazard score: 37
Most at-risk hazard: Earthquakes (81)
Median home price: $390,000
NMN052918-portland.jpg
Iconic Portland, Oregon Old Town sign with an outline of Oregon and a stag
No. 8 New Orleans, La.
Natural disaster hazard score: 39
Most at-risk hazard: Hurricanes (100)
Median home price: $210,000
NMN0907-louisiana.jpg
Downtown French Quarters New Orleans, Louisiana at Night
No. 7 Minneapolis, Minn.
Natural disaster hazard score: 40
Most at-risk hazard: Floods (91)
Median home price: $265,000
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No. 6 Houston, Texas
Natural disaster hazard score: 41
Most at-risk hazard: Floods (68)
Median home price: $232,000
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No. 5 Austin, Texas
Natural disaster hazard score: 41
Most at-risk hazard: Fires (73)
Median home price: $296,000
Austin, Texas
a nice clear day by the lake in downtown Austin Texas
No. 4 New York, N.Y.
Natural disaster hazard score: 41
Most at-risk hazard: Floods (75)
Median home price: $380,000
NMN011018-new-york.jpg
New York City, NYC, USA
No. 3 Riverside, Calif.
Natural disaster hazard score: 47
Most at-risk hazard: Fires (96)
Median home price: $366,000
NMN020718-riverside.jpg
Twilight view of the city of Riverside, from Mount Rubidoux Park, in Riverside, California.
No. 2 Los Angeles, Calif.
Natural disaster hazard score: 52
Most at-risk hazard: Earthquakes/fires (100 each)
Median home price: $600,000
NMN060518-los-angeles.jpg
Los Angeles, California, USA downtown cityscape.
No. 1 Washington, D.C.
Natural disaster hazard score: 52
Most at-risk hazard: Hurricanes (82)
Median home price: $380,000
The United States Capitol building in Washington DC
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