Property Atlas

County hazard profile

Amador, CA

California · pop. 40,427 · FIPS 06005

Relatively Low
FEMA risk rating · RATING
Drought
dominant hazard
$39M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Amador $39M

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 Low 79.2/100
national median ~50 higher than 79% of counties
Social vulnerabilityRelatively Moderate 43.89/100
national median ~50 near the national middle (44th percentile)
Community resilienceRelatively Low 35.27/100
national median ~50 lower than most counties (35th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Amador

The National Flood Insurance Program has paid 78 flood-insurance claims totaling $1.5M in Amador since 1980. The costliest year was 2022 ($633K paid).

Flood-insurance dollars paid by year of loss

1980: $2,650 paid 1982: $2,775 paid 1983: $6,225 paid 1984: $0 paid 1986: $11,685 paid 1995: $7,077 paid 1996: $61,210 paid 1997: $174,827 paid 1998: $38,943 paid 2000: $0 paid 2005: $30,358 paid 2015: $171,849 paid 2017: $198,275 paid 2019: $171,476 paid 2022: $633,316 paid 2022 · $633K 1980 2022
$1.5M
total paid
$19,368
average claim
$193K
largest single claim
64%
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 Amador, CA and where it ranks among U.S. counties. It is not a verdict on whether Amador 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.