Property Atlas

County hazard profile

Santa Rosa, FL

Florida · pop. 187,714 · FIPS 12113

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$101M
modeled expected annual loss/yr

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

lower than most counties (31st percentile)

national median $15M/yr Santa Rosa $101M

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 88.96/100
national median ~50 higher than 89% of counties
Social vulnerabilityVery Low 12.18/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 54.68/100
national median ~50 near the national middle (55th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Santa Rosa

The National Flood Insurance Program has paid 10,437 flood-insurance claims totaling $527.5M in Santa Rosa since 1978. The costliest year was 2004 ($406.7M paid).

Flood-insurance dollars paid by year of loss

1978: $121,553 paid 1979: $1,125,376 paid 1980: $0 paid 1981: $0 paid 1982: $543 paid 1983: $31,450 paid 1984: $20,565 paid 1985: $10,448 paid 1986: $0 paid 1987: $0 paid 1988: $228,008 paid 1989: $214,521 paid 1990: $611,688 paid 1991: $123 paid 1992: $5,270 paid 1993: $7,968 paid 1994: $248,585 paid 1995: $36,856,539 paid 1996: $6,786 paid 1997: $0 paid 1998: $3,059,652 paid 2000: $3,751 paid 2001: $0 paid 2002: $222,097 paid 2003: $0 paid 2004: $406,656,833 paid 2005: $22,246,275 paid 2006: $49,808 paid 2007: $225,194 paid 2008: $42,343 paid 2009: $304,466 paid 2010: $2,729 paid 2011: $547 paid 2012: $1,162,521 paid 2013: $187,125 paid 2014: $18,549,111 paid 2015: $67,968 paid 2016: $37,057 paid 2017: $665,049 paid 2018: $98,597 paid 2019: $0 paid 2020: $33,750,379 paid 2021: $222,658 paid 2022: $168,872 paid 2023: $54,293 paid 2024: $223,600 paid 2025: $15,672 paid 2004 · $406.7M 1978 2025
$527.5M
total paid
$50,542
average claim
$2.1M
largest single claim
77%
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 Santa Rosa, FL and where it ranks among U.S. counties. It is not a verdict on whether Santa Rosa 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.