Property Atlas

County hazard profile

Fresno, CA

California · pop. 1,007,944 · FIPS 06019

Relatively High
FEMA risk rating · RATING
Drought
dominant hazard
$557M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Fresno $557M

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 High 99.3/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 60.31/100
national median ~50 near the national middle (60th percentile)
Community resilienceVery Low 16.57/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Fresno

The National Flood Insurance Program has paid 278 flood-insurance claims totaling $2.2M in Fresno since 1978. The costliest year was 1995 ($608K paid).

Flood-insurance dollars paid by year of loss

1978: $4,092 paid 1979: $7,808 paid 1980: $6,742 paid 1981: $0 paid 1982: $5,956 paid 1983: $14,616 paid 1984: $0 paid 1986: $2,300 paid 1987: $85 paid 1988: $0 paid 1989: $0 paid 1991: $670 paid 1992: $29,199 paid 1993: $43,278 paid 1994: $0 paid 1995: $607,653 paid 1996: $258,365 paid 1997: $46,591 paid 1998: $178,935 paid 1999: $0 paid 2000: $24,531 paid 2001: $0 paid 2003: $21,219 paid 2004: $364,914 paid 2005: $41,456 paid 2006: $36,735 paid 2007: $15,634 paid 2009: $0 paid 2010: $78,954 paid 2011: $0 paid 2012: $0 paid 2013: $0 paid 2015: $35,353 paid 2017: $16,268 paid 2018: $116,308 paid 2021: $0 paid 2022: $21,298 paid 2023: $252,149 paid 2025: $0 paid 1995 · $608K 1978 2025
$2.2M
total paid
$8,026
average claim
$365K
largest single claim
44%
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 Fresno, CA and where it ranks among U.S. counties. It is not a verdict on whether Fresno 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.