Property Atlas

County hazard profile

Monroe, FL

Florida · pop. 82,390 · FIPS 12087

Relatively Moderate
FEMA risk rating · RATING
Coastal Flooding
dominant hazard
$93M
modeled expected annual loss/yr

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

lower than most counties (29th percentile)

national median $15M/yr Monroe $93M

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 91.6/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 53.94/100
national median ~50 near the national middle (54th percentile)
Community resilienceRelatively Low 29.39/100
national median ~50 lower than most counties (29th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Monroe

The National Flood Insurance Program has paid 27,423 flood-insurance claims totaling $713.9M in Monroe since 1978. The costliest year was 2005 ($337.0M paid).

Flood-insurance dollars paid by year of loss

1978: $1,172 paid 1979: $2,486 paid 1980: $441,030 paid 1981: $10,874 paid 1982: $11,408 paid 1983: $47,035 paid 1984: $4,140 paid 1985: $74,258 paid 1986: $16,221 paid 1987: $1,460 paid 1988: $36,759 paid 1989: $0 paid 1990: $9,404 paid 1991: $0 paid 1992: $84,509 paid 1993: $34,389 paid 1994: $1,192,116 paid 1995: $85,559 paid 1996: $78,457 paid 1997: $23,910 paid 1998: $43,521,450 paid 1999: $4,831,801 paid 2000: $63,213 paid 2001: $183,507 paid 2002: $1,740 paid 2003: $5,607 paid 2004: $66,398 paid 2005: $336,966,215 paid 2006: $153,653 paid 2007: $24,197 paid 2008: $395,397 paid 2009: $74,009 paid 2010: $121,886 paid 2011: $325,980 paid 2012: $55,825 paid 2013: $239,402 paid 2014: $224,459 paid 2015: $48,735 paid 2016: $8,950 paid 2017: $293,375,687 paid 2018: $30,000 paid 2019: $4,025 paid 2020: $1,193,608 paid 2021: $22,574 paid 2022: $28,490,443 paid 2023: $706,709 paid 2024: $210,307 paid 2025: $439,912 paid 2026: $0 paid 2005 · $337.0M 1978 2026
$713.9M
total paid
$26,034
average claim
$3.0M
largest single claim
98%
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 Monroe, FL and where it ranks among U.S. counties. It is not a verdict on whether Monroe 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.