Property Atlas

County hazard profile

Indian River, FL

Florida · pop. 159,719 · FIPS 12061

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$163M
modeled expected annual loss/yr

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

near the national middle (50th percentile)

national median $15M/yr Indian River $163M

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 95.64/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 64.19/100
national median ~50 near the national middle (64th percentile)
Community resilienceRelatively High 60.53/100
national median ~50 near the national middle (61st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Indian River

The National Flood Insurance Program has paid 3,349 flood-insurance claims totaling $67.0M in Indian River since 1978. The costliest year was 2004 ($51.8M paid).

Flood-insurance dollars paid by year of loss

1978: $13,947 paid 1979: $33,528 paid 1980: $0 paid 1981: $9,148 paid 1982: $2,302 paid 1983: $771 paid 1984: $478,906 paid 1985: $7,667 paid 1987: $2,374 paid 1988: $0 paid 1989: $780 paid 1990: $5,527 paid 1991: $160,835 paid 1992: $5,988 paid 1993: $85,119 paid 1994: $47,692 paid 1995: $228,973 paid 1996: $252,318 paid 1997: $6,628 paid 1998: $114,000 paid 1999: $740,476 paid 2000: $270 paid 2001: $57,926 paid 2002: $346,179 paid 2003: $6,964 paid 2004: $51,759,229 paid 2005: $203,579 paid 2006: $0 paid 2007: $23,032 paid 2008: $360,920 paid 2009: $493 paid 2010: $0 paid 2011: $604,250 paid 2012: $79,504 paid 2013: $67,332 paid 2014: $0 paid 2015: $27,157 paid 2016: $2,664,414 paid 2017: $3,945,788 paid 2018: $0 paid 2019: $0 paid 2020: $31,221 paid 2022: $352,459 paid 2023: $35,432 paid 2024: $4,218,802 paid 2025: $63,744 paid 2004 · $51.8M 1978 2025
$67.0M
total paid
$20,020
average claim
$665K
largest single claim
60%
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 Indian River, FL and where it ranks among U.S. counties. It is not a verdict on whether Indian River 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.