Property Atlas

County hazard profile

Tulare, CA

California · pop. 472,585 · FIPS 06107

Relatively High
FEMA risk rating · RATING
Heat Wave
dominant hazard
$214M
modeled expected annual loss/yr

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

near the national middle (66th percentile)

national median $15M/yr Tulare $214M

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 97.04/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 61.86/100
national median ~50 near the national middle (62nd percentile)
Community resilienceVery Low 8.02/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Tulare

The National Flood Insurance Program has paid 365 flood-insurance claims totaling $4.3M in Tulare since 1978. The costliest year was 2023 ($3.2M paid).

Flood-insurance dollars paid by year of loss

1978: $15,737 paid 1979: $1,980 paid 1980: $2,532 paid 1982: $1,852 paid 1983: $17,735 paid 1986: $518 paid 1990: $0 paid 1992: $5,089 paid 1993: $7,613 paid 1994: $0 paid 1995: $42,186 paid 1996: $10,027 paid 1997: $298,626 paid 1998: $308,319 paid 1999: $4,755 paid 2000: $3,233 paid 2001: $1,867 paid 2002: $48,177 paid 2003: $4,405 paid 2004: $0 paid 2005: $31,654 paid 2006: $114,455 paid 2007: $51,607 paid 2009: $50,867 paid 2010: $25,553 paid 2011: $0 paid 2012: $2,713 paid 2013: $0 paid 2014: $0 paid 2015: $15,174 paid 2017: $51,509 paid 2018: $0 paid 2019: $4,582 paid 2020: $0 paid 2021: $0 paid 2022: $0 paid 2023: $3,194,695 paid 2024: $0 paid 2025: $0 paid 2026: $0 paid 2023 · $3.2M 1978 2026
$4.3M
total paid
$11,829
average claim
$231K
largest single claim
71%
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 Tulare, CA and where it ranks among U.S. counties. It is not a verdict on whether Tulare 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.