Property Atlas

County hazard profile

Tuolumne, CA

California · pop. 55,536 · FIPS 06109

Relatively Moderate
FEMA risk rating · RATING
Wildfire
dominant hazard
$51M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Tuolumne $51M

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 85.21/100
national median ~50 higher than 85% of counties
Social vulnerabilityRelatively Moderate 53.44/100
national median ~50 near the national middle (53rd percentile)
Community resilienceRelatively Moderate 49.11/100
national median ~50 near the national middle (49th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Tuolumne

The National Flood Insurance Program has paid 20 flood-insurance claims totaling $309K in Tuolumne since 1986. The costliest year was 2018 ($100K paid).

Flood-insurance dollars paid by year of loss

1986: $1,113 paid 1991: $0 paid 1996: $4,322 paid 1997: $0 paid 1998: $0 paid 2010: $7,401 paid 2015: $28,539 paid 2018: $100,400 paid 2019: $72,030 paid 2023: $95,014 paid 2018 · $100K 1986 2023
$309K
total paid
$15,441
average claim
$100K
largest single claim
10%
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 Tuolumne, CA and where it ranks among U.S. counties. It is not a verdict on whether Tuolumne 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.