Property Atlas

County hazard profile

Sebastian, AR

Arkansas · pop. 127,706 · FIPS 05131

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$58M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Sebastian $58M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 86.8/100
national median ~50 higher than 87% of counties
Social vulnerabilityRelatively Moderate 48.89/100
national median ~50 near the national middle (49th percentile)
Community resilienceRelatively Low 38.84/100
national median ~50 lower than most counties (39th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Sebastian

The National Flood Insurance Program has paid 421 flood-insurance claims totaling $19.0M in Sebastian since 1978. The costliest year was 2019 ($11.7M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $39,798 paid 1980: $3,524 paid 1981: $67,508 paid 1982: $78,349 paid 1983: $57,850 paid 1984: $60,205 paid 1985: $67,228 paid 1986: $276,467 paid 1987: $1,631 paid 1988: $2,424 paid 1989: $47 paid 1990: $742,957 paid 1991: $2,052 paid 1992: $3,406 paid 1993: $2,014 paid 1994: $214,662 paid 1996: $37,959 paid 1997: $0 paid 1998: $2,360 paid 1999: $88,704 paid 2000: $48,667 paid 2001: $4,720 paid 2002: $51,169 paid 2004: $202,373 paid 2007: $271,858 paid 2008: $452,115 paid 2009: $148,200 paid 2010: $150,656 paid 2011: $588,578 paid 2012: $5,792 paid 2013: $0 paid 2014: $66,978 paid 2015: $1,479,492 paid 2016: $0 paid 2017: $0 paid 2018: $14,365 paid 2019: $11,740,161 paid 2020: $11,986 paid 2021: $38,598 paid 2022: $1,570,974 paid 2023: $179,803 paid 2024: $0 paid 2025: $216,755 paid 2019 · $11.7M 1978 2025
$19.0M
total paid
$45,113
average claim
$1.0M
largest single claim
63%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Sebastian, AR and where it ranks among U.S. counties. It is not a verdict on whether Sebastian is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.