Property Atlas

County hazard profile

Gadsden, FL

Florida · pop. 43,693 · FIPS 12039

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$19M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Gadsden $19M

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 72.39/100
national median ~50 near the national middle (72nd percentile)
Social vulnerabilityVery High 95.04/100
national median ~50 among the highest nationally
Community resilienceRelatively Low 33.81/100
national median ~50 lower than most counties (34th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Gadsden

The National Flood Insurance Program has paid 39 flood-insurance claims totaling $324K in Gadsden since 1979. The costliest year was 2024 ($117K paid).

Flood-insurance dollars paid by year of loss

1979: $1,164 paid 1982: $0 paid 1983: $9,769 paid 1984: $11,707 paid 1985: $426 paid 1986: $19,653 paid 1991: $3,801 paid 1994: $23,344 paid 1995: $12,474 paid 1998: $46,836 paid 2001: $5,140 paid 2002: $0 paid 2005: $0 paid 2008: $37,829 paid 2009: $30,300 paid 2020: $4,469 paid 2024: $117,041 paid 2024 · $117K 1979 2024
$324K
total paid
$8,306
average claim
$117K
largest single claim
33%
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 Gadsden, FL and where it ranks among U.S. counties. It is not a verdict on whether Gadsden 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.