Property Atlas

County hazard profile

Hardee, FL

Florida · pop. 25,302 · FIPS 12049

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$25M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Hardee $25M

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 69.18/100
national median ~50 near the national middle (69th percentile)
Social vulnerabilityRelatively Moderate 48.03/100
national median ~50 near the national middle (48th percentile)
Community resilienceVery Low 4.39/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hardee

The National Flood Insurance Program has paid 129 flood-insurance claims totaling $6.1M in Hardee since 1979. The costliest year was 2022 ($4.3M paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1982: $4,036 paid 1985: $19,196 paid 1993: $200,000 paid 1994: $53,500 paid 1995: $5,420 paid 1997: $19,763 paid 1998: $35,122 paid 1999: $2,349 paid 2000: $3,343 paid 2001: $153,533 paid 2003: $70,714 paid 2004: $82,256 paid 2009: $13,770 paid 2010: $0 paid 2012: $0 paid 2015: $13,411 paid 2017: $1,138,000 paid 2022: $4,312,885 paid 2024: $4,928 paid 2022 · $4.3M 1979 2024
$6.1M
total paid
$47,537
average claim
$271K
largest single claim
55%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Hardee, FL and where it ranks among U.S. counties. It is not a verdict on whether Hardee 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.