WATCH OUT LA: FEDS CALCULATE RISKIEST, SAFEST PLACES IN US

Spending her life in Los Angeles, Morgan Andersen knows natural disasters all too well. In college, an earthquake shook her home hard. Her grandfather was affected by recent wildfires in neighboring Orange County.

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“It’s just that constant reminder, ‘Oh yeah, we live somewhere where there’s natural disasters and they can strike at any time,’” said the 29-year-old marketing executive.

The Federal Emergency Management Agency has calculated the risk for every county in America for 18 types of natural disasters, such as earthquakes, hurricanes, tornadoes, floods, volcanoes and even tsunamis. And of the more than 3,000 counties, Los Angeles County has the highest ranking in the National Risk Index.

The way FEMA calculates the index spotlights places long known as danger spots, like Los Angeles, but some other places highlighted run counter to what most people would think.

For instance, eastern cities such as New York and Philadelphia rank far higher on the risk for tornadoes than tornado alley stalwarts Oklahoma and Kansas.

And the county with the biggest coastal flood risk is one in Washington state that’s not on the ocean, although its river is tidal.

Those seeming oddities occur because FEMA’s index scores how often disasters strike, how many people and how much property are in harm’s way, how vulnerable the population is socially and how well the area is able to bounce back. And that results in a high risk assessment for big cities with lots of poor people and expensive property that are ill-prepared to be hit by once-in-a-generation disasters.