Year-round extreme risk from three natural disasters threatens more than 33,000 homes in the U.S., according to the latest analysis by CoreLogic.

Hurricane wind, wildfire and inland flood are the most common combination of perils, research showed.

Natural disasters, under-insurance and geographic vulnerabilities add additional layers of concern.

The homes at extreme risk homes are spread across 20 metropolitan areas and have a current risk score greater or equal to 71 for three separate perils.

The top five metropolitan areas at risk are:

1. Miami, Florida
2. Houston, Texas
3. Naples, Florida
4. Midland, Texas
5. Odessa, Texas

Miami has the most homes exposed to extreme levels of risk for three separate perils. The city’s exposure to hurricane winds and rising floodwaters, combined with the creeping threat of wildfire, underscores a year-round vulnerability to natural hazards.

Ellensburg, Wash., is tied with Snyder, Texas for the highest percentage of total homes in an area that are extremely vulnerable to three types of natural catastrophes. Washington state’s vulnerability demonstrates that wildfire and flood risks are reaching further north.

The research was done as a collaboration between CoreLogic Chief Scientist Howard Botts, Principal Data Scientist Tanya Havlicek, and Vice President of R&D Product Marketing, Innovation Anand Srinivasan.