Property Atlas

County hazard profile

Alachua, FL

Florida · pop. 277,984 · FIPS 12001

Relatively Moderate
FEMA risk rating · RATING
Lightning
dominant hazard
$90M
modeled expected annual loss/yr

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

lower than most counties (28th percentile)

national median $15M/yr Alachua $90M

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 90.33/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 34.76/100
national median ~50 lower than most counties (35th percentile)
Community resilienceVery High 80.98/100
national median ~50 higher than 81% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Alachua

The National Flood Insurance Program has paid 308 flood-insurance claims totaling $8.8M in Alachua since 1978. The costliest year was 2017 ($4.0M paid).

Flood-insurance dollars paid by year of loss

1978: $9,000 paid 1979: $0 paid 1980: $2,351 paid 1981: $4,576 paid 1982: $2,971 paid 1983: $3,167 paid 1984: $16,386 paid 1985: $279,069 paid 1986: $10,441 paid 1987: $3,081 paid 1988: $111,064 paid 1989: $0 paid 1991: $7,163 paid 1992: $25,075 paid 1993: $39,276 paid 1994: $0 paid 1996: $133,181 paid 1997: $2,671 paid 1998: $476,712 paid 1999: $0 paid 2003: $2,731 paid 2004: $647,926 paid 2005: $11,251 paid 2006: $17,689 paid 2008: $11,478 paid 2009: $12,061 paid 2010: $208,274 paid 2012: $200,196 paid 2013: $5,630 paid 2014: $12,849 paid 2015: $133,664 paid 2016: $0 paid 2017: $3,967,233 paid 2018: $32,429 paid 2020: $24,415 paid 2021: $2,233,227 paid 2022: $114,436 paid 2023: $1,014 paid 2024: $22,071 paid 2026: $0 paid 2017 · $4.0M 1978 2026
$8.8M
total paid
$28,522
average claim
$350K
largest single claim
53%
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 Alachua, FL and where it ranks among U.S. counties. It is not a verdict on whether Alachua 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.