Property Atlas

County hazard profile

Stanislaus, CA

California · pop. 552,683 · FIPS 06099

Relatively High
FEMA risk rating · RATING
Drought
dominant hazard
$265M
modeled expected annual loss/yr

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

higher than 82% of counties

national median $15M/yr Stanislaus $265M

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 96.88/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 32.03/100
national median ~50 lower than most counties (32nd percentile)
Community resilienceRelatively Low 33.91/100
national median ~50 lower than most counties (34th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Stanislaus

The National Flood Insurance Program has paid 242 flood-insurance claims totaling $4.7M in Stanislaus since 1979. The costliest year was 1997 ($2.3M paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1980: $18,298 paid 1982: $7,749 paid 1983: $94,897 paid 1985: $338 paid 1992: $50,511 paid 1993: $500 paid 1995: $407,862 paid 1996: $534,391 paid 1997: $2,325,905 paid 1998: $767,659 paid 2000: $24,398 paid 2002: $1,133 paid 2006: $90,190 paid 2010: $0 paid 2011: $12,571 paid 2014: $4,879 paid 2017: $118,010 paid 2020: $0 paid 2021: $16,345 paid 2022: $0 paid 2023: $126,840 paid 2025: $76,086 paid 1997 · $2.3M 1979 2025
$4.7M
total paid
$19,333
average claim
$233K
largest single claim
62%
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 Stanislaus, CA and where it ranks among U.S. counties. It is not a verdict on whether Stanislaus 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.