Safest Cities in America in 2026

Oct 20, 2025

Adam McCann, WalletHub Financial Writer

Oct 20, 2025WalletHub Financial Writer

Threats to safety in the U.S. come in many forms, from public health crises and natural disasters to mass shootings and traffic accidents. People can feel unsafe in other ways, too. Aside from the types of hazards that can cause bodily injury or other physical harm, taking out an unaffordable second mortgage, forgoing health insurance or even visiting unsecured websites are also ways people run into danger. One big worry for many people right now is the cost of inflation, which threatens Americans’ financial safety.

No one can avoid all danger, however, and we take on a certain level of risk based on where we choose to live. Some cities are simply better at protecting their residents from harm. To determine where Americans can feel most secure — in more than one sense — WalletHub compared more than 180 cities across 41 key indicators of safety. Our data set ranges from traffic fatalities per capita and assaults per capita to the unemployment rate and the percentage of the population that is uninsured.

Top 5 Safest Cities in the U.S.

Warwick, RI
Overland Park, KS
Burlington, VT
Juneau, AK
Yonkers, NY

“When people think about safety in a city, their minds probably immediately go to things like the crime rate, auto fatality rate or risk of natural disasters. The safest cities in America protect residents from these threats of bodily harm and property damage, but on top of that, they also help secure people’s financial safety. Financial safety includes things like minimizing the risk of fraud and identity theft, keeping the population employed and insured, and combating homelessness.”

Chip Lupo, WalletHub Analyst

Table of Contents

Main Findings

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Safest Cities in the U.S.

Overall Rank*	City	Total Score	Home & Community Safety Rank	Natural-Disaster Risk Rank	Financial Safety Rank
1	Warwick, RI	71.21	8	9	44
2	Overland Park, KS	70.04	4	118	16
3	Burlington, VT	68.79	33	6	9
4	Juneau, AK	68.74	86	1	57
5	Yonkers, NY	68.65	3	29	118
6	Casper, WY	68.42	51	5	7
7	South Burlington, VT	68.35	46	6	3
8	Columbia, MD	68.02	2	11	51
9	Lewiston, ME	67.77	63	4	2
10	Salem, OR	66.93	52	13	31
11	Nashua, NH	66.72	13	111	8
12	Boise, ID	66.65	41	46	6
13	Laredo, TX	66.43	26	25	81
14	Santa Rosa, CA	66.43	32	20	93
15	Virginia Beach, VA	66.37	27	53	43
16	Nampa, ID	66.35	43	16	46
17	Irvine, CA	66.05	6	127	116
18	Chesapeake, VA	66.03	24	42	61
19	Cedar Rapids, IA	66.00	23	43	74
20	Bismarck, ND	65.95	42	65	4
21	Honolulu, HI	65.82	31	57	27
22	Portland, ME	65.75	58	23	1
23	Chula Vista, CA	65.52	21	39	113
24	Vancouver, WA	65.45	80	2	70
25	Madison, WI	65.25	30	88	21
26	Lincoln, NE	65.23	35	115	14
27	Fremont, CA	64.98	20	137	65
28	Pearl City, HI	64.91	1	57	13
29	Gilbert, AZ	64.83	9	155	36
30	Port St. Lucie, FL	64.78	10	56	167
31	Boston, MA	64.59	50	31	26
32	Omaha, NE	64.52	40	96	35
33	Aurora, IL	64.50	17	62	126
34	Missoula, MT	64.30	88	8	19
35	Fargo, ND	64.10	54	74	20
36	Glendale, CA	64.02	7	150	146
37	West Valley City, UT	63.76	45	82	37
38	Sioux Falls, SD	63.75	57	86	12
39	San Diego, CA	63.68	38	39	90
40	Chandler, AZ	63.49	19	155	30
41	Scottsdale, AZ	63.49	22	155	24
42	Huntington Beach, CA	63.44	25	127	106
43	Worcester, MA	63.37	37	80	40
44	Santa Clarita, CA	63.30	5	150	175
45	Huntsville, AL	63.28	44	63	42
46	Rancho Cucamonga, CA	63.21	18	166	97
47	St. Paul, MN	63.16	74	44	23
48	Moreno Valley, CA	63.12	16	68	153
49	Oceanside, CA	63.00	36	39	103
50	Garden Grove, CA	62.72	29	127	120
51	Oxnard, CA	62.58	49	59	111
52	Bridgeport, CT	62.31	56	28	91
53	Rapid City, SD	62.02	69	98	5
54	Manchester, NH	61.76	55	111	17
55	Cape Coral, FL	61.52	14	132	168
56	Fontana, CA	61.47	28	166	135
57	Hialeah, FL	61.32	12	116	174
58	Providence, RI	61.23	61	47	96
59	Seattle, WA	61.22	109	22	15
60	Fort Wayne, IN	61.22	65	32	102
61	Brownsville, TX	61.13	48	95	68
62	Newport News, VA	60.66	76	30	85
63	Wichita, KS	60.60	73	91	22
64	Des Moines, IA	60.46	71	50	75
65	Grand Prairie, TX	60.39	11	179	125
66	Peoria, AZ	60.34	39	143	53
67	Cheyenne, WY	59.86	79	114	29
68	Billings, MT	59.86	113	37	10
69	Reno, NV	59.73	110	26	52
70	Modesto, CA	59.71	104	21	87
71	Mesa, AZ	59.68	53	155	49
72	Anchorage, AK	59.33	135	3	18
73	Raleigh, NC	59.32	60	165	32
74	Austin, TX	59.23	64	142	45
75	Jersey City, NJ	58.94	93	17	137
76	Lubbock, TX	58.88	62	120	95
77	Ontario, CA	58.71	47	166	139
78	Winston-Salem, NC	58.61	78	97	69
79	Irving, TX	58.49	34	178	112
80	Amarillo, TX	58.46	82	154	38
81	Charlotte, NC	58.45	66	135	82
82	Grand Rapids, MI	58.44	98	64	48
83	New Haven, CT	58.41	102	36	73
84	San Jose, CA	58.39	100	99	39
85	Pembroke Pines, FL	58.36	15	174	171
86	Montgomery, AL	58.31	84	34	141
87	Columbus, GA	58.16	70	48	172
88	Anaheim, CA	58.12	72	127	127
89	North Las Vegas, NV	57.99	59	103	173
90	Lexington-Fayette, KY	57.97	91	73	80
91	Rochester, NY	57.85	95	67	83
92	Norfolk, VA	57.55	92	79	84
93	Spokane, WA	57.54	115	24	79
94	Riverside, CA	57.52	85	68	131
95	Sacramento, CA	56.82	114	54	99
96	Santa Ana, CA	56.81	81	127	133
97	Durham, NC	56.72	89	148	33
98	El Paso, TX	56.69	99	78	101
99	St. Petersburg, FL	56.60	101	45	136
100	Salt Lake City, UT	56.58	122	82	28
101	Fort Smith, AR	56.31	107	106	41
102	Tampa, FL	56.30	77	147	115
103	Charleston, WV	56.24	126	55	11
104	Tempe, AZ	56.21	83	155	47
105	Fresno, CA	55.94	87	176	117
106	Henderson, NV	55.73	96	103	151
107	Oklahoma City, OK	55.61	105	141	58
108	Huntington, WV	55.51	137	14	55
109	Plano, TX	55.51	75	171	88
110	Newark, NJ	55.42	94	35	179
111	Las Cruces, NM	55.34	116	60	89
112	Tucson, AZ	55.19	127	27	98
113	Miami, FL	55.16	68	116	180
114	Greensboro, NC	54.96	108	123	104
115	Arlington, TX	54.94	67	181	130
116	Minneapolis, MN	54.56	129	133	25
117	New York, NY	54.34	123	66	100
118	Springfield, MO	54.29	133	51	63
119	Gulfport, MS	54.18	97	144	107
120	Tallahassee, FL	54.00	106	139	123
121	San Francisco, CA	53.96	149	10	86
122	Stockton, CA	53.67	131	52	138
123	Long Beach, CA	53.58	112	150	148
124	San Antonio, TX	53.55	111	162	108
125	Fort Worth, TX	53.42	90	177	143
126	Knoxville, TN	53.36	132	90	62
127	Aurora, CO	53.35	125	93	132
128	Tulsa, OK	53.18	120	119	92
129	Bakersfield, CA	52.85	124	109	134
130	Corpus Christi, TX	52.48	147	18	56
131	Glendale, AZ	52.46	118	155	72
132	Columbia, SC	52.14	119	126	129
133	Garland, TX	52.07	103	173	145
134	Indianapolis, IN	51.94	138	33	128
135	Cincinnati, OH	51.36	134	102	121
136	Phoenix, AZ	51.28	130	155	71
137	Charleston, SC	50.98	128	145	78
138	Pittsburgh, PA	50.97	143	84	50
139	Portland, OR	50.96	157	19	34
140	Buffalo, NY	50.36	141	108	59
141	Tacoma, WA	50.22	161	12	60
142	Mobile, AL	50.20	117	170	155
143	Fayetteville, NC	49.62	121	164	160
144	Toledo, OH	49.58	136	72	170
145	Kansas City, MO	49.08	153	38	66
146	Dover, DE	49.00	142	76	144
147	Milwaukee, WI	48.49	151	49	109
148	Akron, OH	47.94	140	113	154
149	Louisville, KY	47.84	144	134	110
150	Las Vegas, NV	47.56	145	103	169
151	Augusta, GA	47.07	139	89	152
152	Shreveport, LA	46.86	146	75	176
153	Wilmington, DE	46.06	148	121	157
154	Albuquerque, NM	45.78	162	110	67
155	Colorado Springs, CO	45.34	152	180	76
156	Los Angeles, CA	44.69	150	150	163
157	St. Louis, MO	44.59	170	15	140
158	Birmingham, AL	44.01	156	94	165
159	Columbus, OH	43.83	164	85	122
160	Orlando, FL	43.45	160	122	119
161	Chicago, IL	43.16	154	140	159
162	Denver, CO	42.86	172	81	105
163	Dallas, TX	42.77	155	172	142
164	Little Rock, AR	42.75	159	146	114
165	Jacksonville, FL	42.28	158	124	158
166	Nashville, TN	41.98	168	149	54
167	Chattanooga, TN	41.80	174	77	64
168	Richmond, VA	41.39	175	70	94
169	Oakland, CA	41.28	169	137	124
170	Jackson, MS	40.43	167	125	149
171	Atlanta, GA	40.26	163	163	164
172	Washington, DC	39.81	178	92	77
173	Cleveland, OH	39.74	171	107	162
174	Philadelphia, PA	39.39	176	87	150
175	San Bernardino, CA	38.57	173	166	156
176	Houston, TX	38.10	165	182	161
177	Fort Lauderdale, FL	37.28	166	174	178
178	Baltimore, MD	36.69	180	61	166
179	Detroit, MI	36.38	177	100	181
180	Baton Rouge, LA	33.74	181	136	147
181	Memphis, TN	33.71	179	101	182
182	New Orleans, LA	31.57	182	71	177

Note: *No. 1 = Safest
With the exception of “Total Score,” all of the columns in the table above depict the relative rank of that city, where a rank of 1 represents the best conditions for that metric category.

Traffic Fatalities per Capita

Fewest

Fewest
1. Santa Rosa, CA
2. Henderson, NV
3. Fargo, ND
4. Pearl City, HI
5. Bismarck, ND

Most

Most
T-176. Little Rock, AR
T-176. Tucson, AZ
T-176. Jackson, MS
T-176. Knoxville, TN
T-176. Memphis, TN

Law-Enforcement Employees per Capita

Most

Most
T-1. Washington, DC
T-1. New York, NY
T-1. Detroit, MI
4. Chicago, IL
5. Wilmington, DE

Fewest

Fewest
172. Vancouver, WA
173. Fontana, CA
174. Salem, OR
175. Fremont, CA
176. Irvine, CA

Assaults per Capita

Fewest

Fewest
1. Virginia Beach, VA
2. Irvine, CA
3. Warwick, RI
4. Pembroke Pines, FL
5. Plano, TX

Most

Most
175. Oakland, CA
176. Kansas City, MO
T-177. Little Rock, AR
T-177. Detroit, MI
T-177. Memphis, TN

Hate Crimes per Capita

Fewest

Fewest
1. Fort Worth, TX
2. El Paso, TX
3. Colorado Springs, CO
4. Tampa, FL
5. Wichita, KS

Most

Most
173. St. Paul, MN
T-174. Washington, DC
T-174. Portland, OR
T-174. Boston, MA
T-174. Vancouver, WA

Unemployment Rate

Lowest

Lowest
T-1. Sioux Falls, SD
T-1. Rapid City, SD
T-1. South Burlington, VT
T-1. Burlington, VT
T-1. Miami, FL

Highest

Highest
176. Modesto, CA
177. Toledo, OH
178. Newark, NJ
179. Stockton, CA
180. Detroit, MI

% of Households with Emergency Savings

Highest

Highest
1. Wichita, KS
2. Portland, ME
T-3. Minneapolis, MN
T-3. St. Paul, MN
T-5. Portland, OR
T-5 Vancouver, WA

Lowest

Lowest
T-116. Miami, FL
T-116. Hialeah, FL
T-116. Fort Lauderdale, FL
T-116. Pembroke Pines, FL
120. Memphis, TN

% of Uninsured Population

Lowest

Lowest
1. South Burlington, VT
2. Fremont, CA
T-3. Boston, MA
T-3. Pearl City, HI
T-5. Washington, DC
T-5. Warwick, RI

Highest

Highest
178. Dallas, TX
179. Houston, TX
180. Garland, TX
181. Laredo, TX
182. Brownsville, TX

Natural-Disaster Risk Level

Lowest

Lowest
1. Juneau, AK
2. Vancouver, WA
3. Anchorage, AK
4. Lewiston, ME
5. Casper, WY

Highest

Highest
178. Irving, TX
179. Grand Prairie, TX
180. Colorado Springs, CO
181. Arlington, TX
182. Houston, TX

In-Depth Look at the Safest Cities

Warwick, RI

Warwick, RI, is the safest city, with the third-lowest number of aggravated assaults per capita and the 32nd-lowest number of murders out of the 182 cities in our study. It also has the seventh-lowest number of thefts per capita, so residents can worry less about both violent and non-violent crimes.

When it comes to natural disasters, Warwick ranks as the city with the seventh-lowest risk of hail, 10th-lowest risk of wildfires, 23rd-lowest risk of tornadoes and 29th-lowest risk of earthquakes.

Finally, Warwick provides good conditions for financial safety. It has the fourth-lowest percentage of residents without health insurance as well as the fourth-lowest percentage who are living in poverty. The city also has the 37th-fewest fraud complaints per capita.

Overland Park, KS

Overland Park, KS, is the second-safest city in 2025, in part because of its safe roads. It has the fifth-lowest pedestrian fatality rate in the country along with the 21st-lowest percentage of uninsured motorists. While accidents do occur, the city fortunately has the 15th-lowest traffic fatalities rate among the cities analyzed.

One area where Overland Park really shines, which many people might not think about, is financial safety. It has the 14th-lowest unemployment rate in the country, at 3.3%, the fifth-highest median credit score, the lowest share of residents who are living in poverty, and the fourth-lowest share of owner occupied housing units with a mortgage that spend 35% of their income on housing. This demonstrates that residents are doing well financially and are at a reduced risk of being unable to pay their bills, losing their property or becoming homeless.

On top of that, Overland Park has the fourth-highest employer-based retirement plan access rate and the sixth-highest participation rate. Together, these factors make Overland Park one of the strongest cities in the country for financial security and retirement readiness.

Burlington, VT

Burlington, VT, ranks as the third-safest city, in part because it has the 26th-lowest murder rate and the 17th-highest share of sheltered homeless population. It also has the 25th-lowest number of rape offenses and there were no terrorist attack or related incidents recorded in the city along the past decade.

In addition, Burlington residents are at relatively low risk for several types of natural disasters or severe weather. The city has the 14th-lowest risk of flooding, 21st-lowest risk of tornadoes, and 31st-lowest risk of wildfires.

Burlington residents are also quite safe from fraudsters – the city has the fourth-fewest identity theft complaints and the 22nd-fewest fraud complaints per capita. In addition, Burlington has the seventh-lowest percentage of uninsured population, which prevents people from racking up hefty expenses after an accident.

Ask the Experts

For the best ways to improve safety, we asked a panel of experts to weigh in with their thoughts on the following key questions:

What steps should local authorities take to help reduce the public costs associated with clean-ups after major natural disasters? Should flood or other types of insurance be mandatory?
What are some of the top public safety issues this year?
What measures can police departments take to increase public trust? How important is it to have a police force that is representative of the local community?
How do police shortages affect safety in U.S. cities?
What can consumers do to increase their financial literacy since sound financial decisions increase a person’s financial safety?

Ask the Experts

Jacinta M. Gau
Ph.D. – Professor, Department of Criminal Justice - University of Central Florida
Read More

Michael Breslin
Director, Strategic Client Relations, Federal Law Enforcement - LexisNexis Special Services, Inc
Read More

Brian N. Williams
Ph.D. – Professor of Public Policy; Founder & Director, The Public Engagement in Governance Looking, Listening, & Learning Laboratory (PEGLLLLab) – University of Virginia, Frank Batten School of Leadership & Public Policy
Read More

Jorge X. Camacho
Policy Director and Clinical Lecturer in Law, Justice Collaboratory, Yale Law School – Yale University
Read More

Alec Brownlow
Ph.D. – Associate Professor and Chair, Department of Geography & GIS, College of Liberal Arts and Social Sciences – DePaul University
Read More

Jonathan Lee
Ph.D. – Associate Professor of Criminal Justice, School of Public Affairs – Penn State Harrisburg
Read More

Methodology

In order to determine the safest cities in which to live, WalletHub compared 182 cities — including the 150 most populated U.S. cities, plus at least two of the most populated cities in each state — across three key dimensions: 1) Home & Community Safety, 2) Natural-Disaster Risk, and 3) Financial Safety.

We evaluated those dimensions using 41 relevant metrics, which are listed below with their corresponding weights. Each metric was graded on a 100-point scale, with a score of 100 representing the highest level of safety.

We then determined each city’s weighted average across all metrics to calculate its overall score and used the resulting scores to rank-order our sample. In determining our sample, we considered only the city proper in each case, excluding cities in the surrounding metro area.

Home & Community Safety - Total Points: 60

Presence of Terrorist Attacks: Triple Weight (~7.83 Points)
Note: This binary metric considers the presence or absence of terrorist attack or terrorist-related incident in the city between 2015 and 2025.
Number of Mass Shootings: Full Weight (~2.61 Points)
Murders & Non-Negligent Manslaughters per Capita: Triple Weight (~7.83 Points)
Forcible Rapes per Capita: Double Weight (~5.22 Points)
Assaults per Capita: Full Weight (~2.61 Points)
Thefts per Capita: Full Weight (~2.61 Points)
Sex Offenders per Capita: Double Weight (~5.22 Points)
Law-Enforcement Employees per Capita: Half Weight (~1.30 Points)
Active Firefighters per Capita: Half Weight (~1.30 Points)
EMTs & Paramedics per Capita: Half weight (~1.30 Points)
Note: “EMTs” refer to Emergency Medical Technicians.
Hate Crimes per Capita: Full Weight (~2.61 Points)
Share of Sheltered Homeless: Half Weight (~1.30 Points)
Perception of Safety (Safety walking alone during daylight/night): Full Weight (~2.61 Points)
Note: These data are based on perceptions of visitors of Numbeo website in the past 3 years. If the value is 0, it means it is perceived as very low, and if the value is 100, it means it is perceived as very high.
Drug Poisoning Deaths per Capita: Double Weight (~5.22 Points)
Traffic Fatalities per Capita: Full Weight (~2.61 Points)
Pedestrian Fatalities per Capita: Double Weight (~5.22 Points)
Note: “Pedestrians” also includes pedacyclists.
Road Quality: Full Weight (~2.61 Points)

Natural-Disaster Risk - Total Points: 20

Earthquake Risk Index Score: Full Weight (~3.33 Points)
Riverine Flood Risk Index Score: Full Weight (~3.33 Points)
Hail Risk Index Score: Full Weight (~3.33 Points)
Hurricane Storm-Surge Risk Index Score: Full Weight (~3.33 Points)
Tornado Risk Index Score: Full Weight (~3.33 Points)
Wildfire Risk Index Score: Full Weight (~3.33 Points)

Financial Safety - Total Points: 20

Unemployment Rate: Double Weight (~2.11 Points)
Underemployment Rate: Full Weight (~1.05 Points)
Share of Uninsured Population: Full Weight (~1.05 Points)
Share of Uninsured Drivers: Full Weight (~1.05 Points)
Foreclosure Rate: Full Weight (~1.05 Points)
Median Credit Score: Full Weight (~1.05 Points)
Debt-to-Income Ratio: Full Weight (~1.05 Points)
Share of Owner Occupied Housing Units Spending at Least 35% of Their Household Income on Housing: Full Weight (~1.05 Points)
Poverty Rate: Full Weight (~1.05 Points)
Fraud & Other Complaints per Capita: Full Weight (~1.05 Points)
Note: “Other” includes both financial and nonfinancial complaints.
Identity-Theft Complaints per Capita: Full Weight (~1.05 Points)
Share of Unbanked Households: Full Weight (~1.05 Points)
Job Security: Full Weight (~1.05 Points)
Note: (Number of Employees in 2024 - Number of Employees in 2023) / Number of Employees in 2023.
Employment Growth: Full Weight (~1.05 Points)
Note: This metric was adjusted for the working-age population growth and compares figures between 2024 and 2023.
Share of Households with Emergency Savings: Full Weight (~1.05 Points)
Note: This metric measures the share of households that saved for unexpected expenses or emergencies in the past 12 months.
Retirement Plan Access & Participation Rate: Full Weight (~1.05 Points)
Note: “Retirement Plan” includes only employer-based plans.
Personal Bankruptcy Filings per Capita: Full Weight (~1.05 Points)
Share of Seriously Underwater Mortgages: Full Weight (~1.05 Points)
Note: This metric measures the proportion of seriously underwater mortgages, where the combined estimated balance of loans secured by those properties was at least 25 percent more than their estimated market value.

Sources: Data used to create this ranking were collected as of September 22, 2025 from the U.S. Census Bureau, Bureau of Labor Statistics, Federal Bureau of Investigation, TransUnion, Parents for Megan’s Law, U.S. Fire Administration, US Department of Housing and Urban Development, Wm. Robert Johnston, Federal Trade Commission, Federal Deposit Insurance Corporation, Chmura Economics & Analytics, Administrative Office of the U.S. Courts, Federal Highway Administration, National Highway Traffic Safety Administration, The Pew Charitable Trusts, County Health Rankings, Numbeo, Gun Violence Archive, Federal Emergency Management Agency, ATTOM, a property data provider - U.S. Foreclosure Market Report, ATTOM, a property data provider – U.S. Home Equity & Underwater Report and Insurance Information Institute.

Supporting Video Files:

Questions & Answers(12 questions)

Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvote

How were cities selected?Where in this list is Naperville, IL?

Bad Knee

I was pleasantly surprised to see my current city of cape coral as 16 on the list, but questioned the list after seeing Aurora IL as 22 with no mention of Naperville (a city I lived in for 30 years). Also no mention of Naples FL. The only thing i can think of is the debt to income ratio and similar (not visual to naked eye) metrics are what came into play. Both Naperville and Naples, while very safe in the physical sense, are very expensive places to live and the financial aspects that Wallethub takes into account may have knocked them off the list.

View more answers

Upvotes

Where is Sugar Land, Texas, on the list????

Upvotes

What is the rating system for natural disasters? The note at the end of the chart says 1 is safest.

Upvotes

where is Easthampton, MA 01027 on the list

Upvotes

How are the weights determined?

Upvotes

WHAT WAS THE MINIMUM CITY POPULATION TO BE CONSIDERED IN CA

Upvotes

Given that Seattle and Tacoma were very low for everything besides earthquake, how could they be very high overall?

Upvotes

What does it mean that the 5 cities with highest number of uninsured individuals are all located in Texas?

Upvotes

Where on list is Venice Florida?

Upvotes

Cincinatti and Lexington are vastly different. When does a 0 score 4 disasters mean exclude data? Multiple wild manipulations of data. ?

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Safest Cities in America (2026)

Main Findings

Safest Cities in the U.S.

In-Depth Look at the Safest Cities

Warwick, RI

Overland Park, KS

Burlington, VT

Ask the Experts

Ask the Experts

Methodology

Home & Community Safety - Total Points: 60

Natural-Disaster Risk - Total Points: 20

Financial Safety - Total Points: 20

Supporting Video Files:

Questions & Answers(12 questions)

Important Disclosures