Property Atlas

County hazard profile

Flagler, FL

Florida · pop. 115,270 · FIPS 12035

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$42M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Flagler $42M

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 82.76/100
national median ~50 higher than 83% of counties
Social vulnerabilityRelatively High 60.88/100
national median ~50 near the national middle (61st percentile)
Community resilienceRelatively Moderate 40.33/100
national median ~50 near the national middle (40th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Flagler

The National Flood Insurance Program has paid 2,153 flood-insurance claims totaling $78.4M in Flagler since 1982. The costliest year was 2017 ($43.1M paid).

Flood-insurance dollars paid by year of loss

1982: $0 paid 1984: $3,030 paid 1987: $1,436 paid 1989: $0 paid 1991: $0 paid 1992: $0 paid 1994: $44,276 paid 1995: $1,720 paid 1996: $0 paid 1997: $0 paid 1998: $1,613 paid 1999: $29,249 paid 2000: $723 paid 2001: $193,320 paid 2002: $9,416 paid 2003: $1,293 paid 2004: $1,294,376 paid 2005: $256 paid 2006: $0 paid 2007: $26,936 paid 2008: $35,211 paid 2009: $275,986 paid 2010: $0 paid 2011: $6,310 paid 2012: $11,036 paid 2013: $0 paid 2014: $75,770 paid 2016: $12,749,097 paid 2017: $43,132,183 paid 2018: $0 paid 2019: $15,058 paid 2020: $21,617 paid 2021: $0 paid 2022: $18,484,914 paid 2023: $13,234 paid 2024: $1,924,687 paid 2026: $0 paid 2017 · $43.1M 1982 2026
$78.4M
total paid
$36,392
average claim
$1.0M
largest single claim
67%
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 Flagler, FL and where it ranks among U.S. counties. It is not a verdict on whether Flagler 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.