Harmful dinoflagellates and their resulting blooms pose a threat to marine life and human health. However, to date, global maps of marine life often overlook harmful microorganisms. As harmful algal blooms (HABs) increase in frequency, severity, and extent, understanding the distribution of harmful dinoflagellates and their drivers is crucial for their management. We used MaxEnt, random forest, and ensemble models to map the habitats of the representative HABs species in the genus Alexandrium, including A. catenella, A. minutum, and A. pacificum. Since species occurrence records used in previous studies were solely morphology-based, potentially leading to misidentifications, we corrected these species' distribution records using molecular criteria. The results showed that the key environmental drivers included the distance to the coastline, bathymetry, sea surface temperature (SST), and dissolved oxygen. Alexandrium catenella thrives in temperate to cold zones and is driven by low SST and high oxygen levels. Alexandrium pacificum mainly inhabits the Temperate Northern Pacific and prefers warmer SST and lower oxygen levels. Alexandrium minutum thrives universally and adapts widely to SST and oxygen. By analyzing the habitat suitability of locations with recorded HAB occurrences, we found that high habitat suitability could serve as a reference indicator for bloom risk. Therefore, we have proposed a qualitative method to spatially assess the harmful algae risk according to the habitat suitability. On the global risk map, coastal temperate seas, such as the Mediterranean, Northwest Pacific, and Southern Australia, faced higher risks. Although HABs currently have restricted geographic distributions, our study found these harmful algae possess high environmental tolerance and can thrive across diverse habitats. HAB impacts could increase if climate changes or ocean conditions became more favorable. Marine transportation may also spread the harmful algae to new unaffected ecosystems. This study has pioneered the assessment of harmful algal risk based on habitat suitability.