Property Atlas

County hazard profile

Bradford, FL

Florida · pop. 28,233 · FIPS 12007

Very Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$11M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Bradford $11M

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 indexVery Low 36.86/100
national median ~50 lower than most counties (37th percentile)
Social vulnerabilityRelatively Moderate 48.31/100
national median ~50 near the national middle (48th percentile)
Community resilienceRelatively Low 37.91/100
national median ~50 lower than most counties (38th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bradford

The National Flood Insurance Program has paid 184 flood-insurance claims totaling $4.2M in Bradford since 1980. The costliest year was 2017 ($3.2M paid).

Flood-insurance dollars paid by year of loss

1980: $127 paid 1983: $1,779 paid 1985: $0 paid 1992: $3,600 paid 1993: $0 paid 1996: $2,002 paid 1998: $154,229 paid 2004: $96,832 paid 2005: $0 paid 2006: $7,463 paid 2007: $2,977 paid 2008: $6,354 paid 2009: $1,220 paid 2010: $0 paid 2012: $504,371 paid 2013: $73,979 paid 2015: $10,992 paid 2016: $1,169 paid 2017: $3,175,208 paid 2018: $30,161 paid 2020: $0 paid 2021: $5,995 paid 2023: $0 paid 2024: $170,498 paid 2025: $0 paid 2017 · $3.2M 1980 2025
$4.2M
total paid
$23,092
average claim
$166K
largest single claim
70%
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 Bradford, FL and where it ranks among U.S. counties. It is not a verdict on whether Bradford 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.