Property Atlas

County hazard profile

Okaloosa, FL

Florida · pop. 211,293 · FIPS 12091

Relatively Moderate
FEMA risk rating · RATING
Lightning
dominant hazard
$134M
modeled expected annual loss/yr

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

near the national middle (42nd percentile)

national median $15M/yr Okaloosa $134M

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 92.46/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 26.75/100
national median ~50 lower than most counties (27th percentile)
Community resilienceRelatively Moderate 41.57/100
national median ~50 near the national middle (42nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Okaloosa

The National Flood Insurance Program has paid 8,221 flood-insurance claims totaling $282.9M in Okaloosa since 1978. The costliest year was 1995 ($116.2M paid).

Flood-insurance dollars paid by year of loss

1978: $16,823 paid 1979: $131,045 paid 1980: $954 paid 1981: $2,608 paid 1982: $4,394 paid 1983: $792 paid 1984: $84 paid 1985: $30,129 paid 1987: $2,874 paid 1988: $692 paid 1990: $15,372 paid 1991: $7,212 paid 1992: $0 paid 1993: $0 paid 1994: $144,598 paid 1995: $116,218,809 paid 1996: $6,502 paid 1997: $3,685 paid 1998: $4,418,306 paid 1999: $0 paid 2000: $731 paid 2001: $9,922 paid 2002: $253,973 paid 2003: $18,546 paid 2004: $114,808,893 paid 2005: $22,802,389 paid 2006: $15,254 paid 2007: $72,670 paid 2008: $55,647 paid 2009: $783,570 paid 2010: $8,785 paid 2011: $32,712 paid 2012: $0 paid 2013: $405,476 paid 2014: $9,686,227 paid 2015: $250,372 paid 2016: $29,172 paid 2017: $184,556 paid 2018: $1,402,967 paid 2019: $105,187 paid 2020: $10,295,852 paid 2021: $291,433 paid 2022: $0 paid 2023: $29,410 paid 2024: $303,544 paid 2026: $0 paid 1995 · $116.2M 1978 2026
$282.9M
total paid
$34,406
average claim
$3.7M
largest single claim
57%
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 Okaloosa, FL and where it ranks among U.S. counties. It is not a verdict on whether Okaloosa 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.