More than 6.6 million homes on the Atlantic and Gulf coasts are at risk of hurricane storm surge floods, according to a new CoreLogic report. And should disaster strike, the price to reconstruct those homes will cost nearly $1.5 trillion.

Regionally, the Atlantic Coast has more than 3.8 million homes at risk of storm surge in 2015, with a reconstruction cost value of $939 billion, and the Gulf Coast has just under 2.8 million homes at risk, priced at $549 billion.

These numbers are similar to the analytics provider’s 2014 report, which totaled 6.5 million homes priced at $1.496 billion.

CoreLogic’s analysis examines risk from hurricane-driven storm surge in 19 states and the District of Columbia. Homes are categorized at five levels: low, moderate, high, very high and extreme.

Six states account for more than three-quarters of all at-risks homes. Florida has the highest numbers of homes at all risk levels (more than 2.5 million), including 793,204 ranked at “extreme” risk. At a distant second, Louisiana has 760,272 homes at all risk levels, followed by New York (464,534), New Jersey (446,148), Texas (441,304) and Virginia (420,052).

Correspondingly, reconstruction value of Florida homes tops CoreLogic’s list at more than $491 billion, which dwarfs New York’s value of $177 billion and Louisiana’s $162 billion.  

Although Louisiana has the second most homes at risk, just more than 97,000 of those are at “extreme” risk. This is because levee upgrades were completed in 2013 and a significant number of homes are now protected from all but the higher category hurricanes.

The state with the lowest number of at-risk homes are the District of Columbia (3,668), New Hampshire (12,490), Maine (22,491), Rhode Island (26,490) and Delaware (49,716).

CoreLogic also analyzed 84 metro areas by the total number of properties and reconstructive cost value in the United States. Here are the top 10:

10. Naples, Fla.

Total properties affected by all categories of hurricane:  179,681

Total reconstruction cost value: $42.3 billion

 

(Shutterstock/Sophie James)

9. Philadelphia

Total properties affected by all categories of hurricane:  214,647

Total reconstruction cost value: $41.8 billion

(Shutterstock/Jorg Hackemann)

8. Houston

Total properties affected by all categories of hurricane: 219,949

Total reconstruction cost value: $43.5 billion

(Shutterstock/pictureguy) 

7. Bradenton, Fla.

Total properties affected by all categories of hurricane:  229,889

Total reconstruction cost value: $42.3 billion

 

(Shutterstock/Nadezda Murmakova)

6. Cape Coral, Fla.

Total properties affected by all categories of hurricane:  309,829

Total reconstruction cost value: $62.4 billion

 

(Shutterstock/robynrg)

5. New Orleans

Total properties affected by all categories of hurricane:  380,120

Total reconstruction cost value: $84.2 billion

(Shutterstock/bicking)

4. Virginia Beach, Va.

Total properties affected by all categories of hurricane:  395,341

Total reconstruction cost value: $86.4 billion

This area, which includes the towns of Norfolk and Newport News, N.C.,  has the highest percentage of homes (87%) at risk of storm surge, but not designated in a FEMA flood zone.

(Shutterstock/picturin)

3. Tampa, Fla.

Total properties affected by all categories of hurricane: 447,990

Total reconstruction cost value: $78.2 billion

Although Tampa has more properties at risk than the No. 4 Virginia Beach area, reconstruction costs are lower.

 

(Shutterstock/richard-cavalleri)

2. Miami

Total properties affected by all categories of hurricane:  564,913

Total reconstruction cost value: $105.1 billion

(Shutterstock/turtix)

1. New York, N.Y.

Total properties affected by all categories of hurricane: 685,152

Total reconstruction cost value: $244.3 billion