Property Atlas

County hazard profile

Escambia, FL

Florida · pop. 321,367 · FIPS 12033

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$174M
modeled expected annual loss/yr

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

near the national middle (54th percentile)

national median $15M/yr Escambia $174M

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 High 95.1/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 41.48/100
national median ~50 near the national middle (41st percentile)
Community resilienceRelatively Low 34.67/100
national median ~50 lower than most counties (35th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Escambia

The National Flood Insurance Program has paid 16,497 flood-insurance claims totaling $731.9M in Escambia since 1978. The costliest year was 2004 ($439.4M paid).

Flood-insurance dollars paid by year of loss

1978: $55,551 paid 1979: $8,777,224 paid 1980: $8,328 paid 1981: $588 paid 1982: $1,250 paid 1983: $27,755 paid 1984: $34,005 paid 1985: $624,166 paid 1986: $39,948 paid 1987: $288,748 paid 1988: $801 paid 1989: $179,504 paid 1990: $173,693 paid 1991: $1,170 paid 1992: $6,093 paid 1993: $6,191 paid 1994: $42,506 paid 1995: $59,360,167 paid 1996: $59,853 paid 1997: $4,411 paid 1998: $11,887,027 paid 1999: $0 paid 2000: $79,473 paid 2001: $186,092 paid 2002: $845,258 paid 2003: $4,439 paid 2004: $439,449,734 paid 2005: $17,439,060 paid 2006: $0 paid 2007: $364,475 paid 2008: $252,443 paid 2009: $209,326 paid 2010: $43,127 paid 2011: $10,729 paid 2012: $10,765,173 paid 2013: $46,734 paid 2014: $75,380,925 paid 2015: $13,936 paid 2016: $57,965 paid 2017: $401,820 paid 2018: $155,476 paid 2019: $65,880 paid 2020: $98,473,045 paid 2021: $227,715 paid 2022: $25,050 paid 2023: $5,819,639 paid 2024: $21,638 paid 2025: $0 paid 2004 · $439.4M 1978 2025
$731.9M
total paid
$44,367
average claim
$9.2M
largest single claim
76%
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 Escambia, FL and where it ranks among U.S. counties. It is not a verdict on whether Escambia 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.