Property Atlas

County hazard profile

Columbia, FL

Florida · pop. 69,648 · FIPS 12023

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$22M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Columbia $22M

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 Low 69.72/100
national median ~50 near the national middle (70th percentile)
Social vulnerabilityRelatively High 71.41/100
national median ~50 near the national middle (71st percentile)
Community resilienceRelatively Low 29.26/100
national median ~50 lower than most counties (29th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Columbia

The National Flood Insurance Program has paid 338 flood-insurance claims totaling $7.5M in Columbia since 1980. The costliest year was 2012 ($4.3M paid).

Flood-insurance dollars paid by year of loss

1980: $0 paid 1983: $0 paid 1984: $139,349 paid 1985: $1,709 paid 1986: $40,386 paid 1987: $8,183 paid 1991: $81,715 paid 1992: $13,615 paid 1993: $2,635 paid 1994: $846 paid 1995: $1,346 paid 1996: $31,891 paid 1998: $455,984 paid 2002: $0 paid 2003: $77,740 paid 2004: $922,248 paid 2005: $20,816 paid 2006: $0 paid 2008: $7,756 paid 2009: $41,391 paid 2010: $0 paid 2012: $4,272,951 paid 2013: $0 paid 2014: $65,224 paid 2016: $0 paid 2017: $1,117,132 paid 2018: $12,887 paid 2021: $49,858 paid 2023: $0 paid 2024: $138,708 paid 2012 · $4.3M 1980 2024
$7.5M
total paid
$22,202
average claim
$249K
largest single claim
64%
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 Columbia, FL and where it ranks among U.S. counties. It is not a verdict on whether Columbia 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.