Property Atlas

County hazard profile

Napa, CA

California · pop. 137,956 · FIPS 06055

Relatively High
FEMA risk rating · RATING
Drought
dominant hazard
$186M
modeled expected annual loss/yr

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

near the national middle (57th percentile)

national median $15M/yr Napa $186M

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 95.26/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 38.52/100
national median ~50 lower than most counties (39th percentile)
Community resilienceRelatively High 76.02/100
national median ~50 higher than 76% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Napa

The National Flood Insurance Program has paid 1,361 flood-insurance claims totaling $29.8M in Napa since 1978. The costliest year was 2005 ($15.2M paid).

Flood-insurance dollars paid by year of loss

1978: $1,225 paid 1980: $2,847 paid 1981: $0 paid 1982: $72,268 paid 1983: $272,651 paid 1985: $0 paid 1986: $3,020,624 paid 1987: $0 paid 1991: $0 paid 1992: $6,486 paid 1993: $151,405 paid 1995: $8,135,299 paid 1996: $115,459 paid 1997: $711,697 paid 1998: $191,089 paid 1999: $0 paid 2002: $414,222 paid 2003: $130,501 paid 2004: $0 paid 2005: $15,237,741 paid 2006: $896,747 paid 2009: $0 paid 2010: $8,504 paid 2011: $0 paid 2012: $31,583 paid 2014: $1,300 paid 2015: $7,401 paid 2016: $18,765 paid 2017: $90,222 paid 2019: $231,926 paid 2021: $25,094 paid 2023: $13,340 paid 2025: $26,314 paid 2005 · $15.2M 1978 2025
$29.8M
total paid
$21,906
average claim
$599K
largest single claim
85%
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 Napa, CA and where it ranks among U.S. counties. It is not a verdict on whether Napa 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.