Property Atlas

County hazard profile

Martin, FL

Florida · pop. 158,246 · FIPS 12085

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$119M
modeled expected annual loss/yr

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

lower than most counties (37th percentile)

national median $15M/yr Martin $119M

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 94.08/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 68.99/100
national median ~50 near the national middle (69th percentile)
Community resilienceRelatively Moderate 47.77/100
national median ~50 near the national middle (48th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Martin

The National Flood Insurance Program has paid 2,629 flood-insurance claims totaling $40.7M in Martin since 1978. The costliest year was 2004 ($22.6M paid).

Flood-insurance dollars paid by year of loss

1978: $10,911 paid 1979: $13,874 paid 1980: $0 paid 1981: $4,005 paid 1982: $19,959 paid 1983: $2,521 paid 1984: $297,063 paid 1985: $7,223 paid 1986: $0 paid 1987: $286 paid 1988: $0 paid 1989: $2,740 paid 1990: $324 paid 1991: $472,548 paid 1992: $437,250 paid 1993: $12,225 paid 1994: $106,852 paid 1995: $4,731,518 paid 1996: $3,244 paid 1997: $0 paid 1998: $11,194 paid 1999: $559,341 paid 2000: $336 paid 2001: $2,019,346 paid 2002: $0 paid 2003: $10,647 paid 2004: $22,648,560 paid 2005: $998,855 paid 2006: $1,120 paid 2007: $121,670 paid 2008: $612,270 paid 2009: $2,019 paid 2010: $0 paid 2011: $77,135 paid 2012: $1,175,325 paid 2013: $1,688 paid 2014: $1,573,444 paid 2015: $216,392 paid 2016: $32,720 paid 2017: $875,286 paid 2018: $223,471 paid 2019: $111,294 paid 2020: $868,506 paid 2021: $125,963 paid 2022: $1,926,077 paid 2023: $183,885 paid 2024: $88,810 paid 2025: $92,909 paid 2004 · $22.6M 1978 2025
$40.7M
total paid
$15,474
average claim
$862K
largest single claim
59%
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 Martin, FL and where it ranks among U.S. counties. It is not a verdict on whether Martin 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.