Property Atlas

County hazard profile

DeSoto, FL

Florida · pop. 33,898 · FIPS 12027

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$26M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr DeSoto $26M

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 81.65/100
national median ~50 higher than 82% of counties
Social vulnerabilityVery High 90.84/100
national median ~50 among the highest nationally
Community resilienceVery Low 1.4/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in DeSoto

The National Flood Insurance Program has paid 453 flood-insurance claims totaling $17.1M in DeSoto since 1978. The costliest year was 2022 ($10.8M paid).

Flood-insurance dollars paid by year of loss

1978: $3,945 paid 1979: $9,853 paid 1982: $126,758 paid 1985: $450 paid 1986: $0 paid 1987: $1,902 paid 1988: $72,262 paid 1990: $13,013 paid 1992: $81,060 paid 1993: $210,011 paid 1994: $76,149 paid 1995: $57,311 paid 1997: $16,621 paid 1998: $407,656 paid 2001: $771,974 paid 2003: $161,025 paid 2004: $492,683 paid 2005: $20,242 paid 2009: $2,924 paid 2010: $1,880 paid 2011: $10,219 paid 2015: $15,945 paid 2017: $2,345,778 paid 2018: $5,216 paid 2022: $10,832,844 paid 2024: $1,331,776 paid 2022 · $10.8M 1978 2024
$17.1M
total paid
$37,681
average claim
$350K
largest single claim
82%
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 DeSoto, FL and where it ranks among U.S. counties. It is not a verdict on whether DeSoto 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.