Property Atlas

County hazard profile

Placer, CA

California · pop. 404,590 · FIPS 06061

Relatively Moderate
FEMA risk rating · RATING
Wildfire
dominant hazard
$163M
modeled expected annual loss/yr

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

near the national middle (50th percentile)

national median $15M/yr Placer $163M

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 93.07/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 16.57/100
national median ~50 among the lowest nationally
Community resilienceVery High 83.56/100
national median ~50 higher than 84% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Placer

The National Flood Insurance Program has paid 627 flood-insurance claims totaling $16.1M in Placer since 1978. The costliest year was 1995 ($11.1M paid).

Flood-insurance dollars paid by year of loss

1978: $9,098 paid 1980: $7,879 paid 1981: $43,054 paid 1982: $49,490 paid 1983: $59,963 paid 1986: $1,765,283 paid 1989: $65,187 paid 1991: $0 paid 1992: $0 paid 1993: $8,338 paid 1994: $106,606 paid 1995: $11,068,810 paid 1996: $175,135 paid 1997: $1,299,328 paid 1998: $146,904 paid 2000: $96,838 paid 2001: $0 paid 2002: $17,102 paid 2005: $141,757 paid 2006: $0 paid 2007: $6,501 paid 2008: $6,994 paid 2009: $2,694 paid 2010: $0 paid 2011: $30,323 paid 2012: $218,644 paid 2014: $72,816 paid 2015: $0 paid 2016: $2,575 paid 2017: $104,764 paid 2018: $350,485 paid 2019: $60,805 paid 2020: $2,516 paid 2021: $2,373 paid 2022: $13,469 paid 2023: $137,012 paid 2024: $0 paid 2025: $19,403 paid 1995 · $11.1M 1978 2025
$16.1M
total paid
$25,665
average claim
$295K
largest single claim
47%
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 Placer, CA and where it ranks among U.S. counties. It is not a verdict on whether Placer 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.