Property Atlas

County hazard profile

Seminole, FL

Florida · pop. 470,586 · FIPS 12117

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$129M
modeled expected annual loss/yr

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

near the national middle (40th percentile)

national median $15M/yr Seminole $129M

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 91.44/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 15.27/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 59.73/100
national median ~50 near the national middle (60th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Seminole

The National Flood Insurance Program has paid 1,560 flood-insurance claims totaling $54.4M in Seminole since 1978. The costliest year was 2022 ($41.5M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $19,727 paid 1980: $10,004 paid 1981: $2,000 paid 1982: $6,593 paid 1983: $0 paid 1984: $533 paid 1985: $439 paid 1986: $2,698 paid 1988: $865 paid 1989: $0 paid 1991: $26,003 paid 1992: $64,129 paid 1993: $1,298 paid 1994: $148,977 paid 1995: $102,946 paid 1996: $3,546 paid 1997: $52,706 paid 1998: $83,382 paid 1999: $24,192 paid 2001: $20,601 paid 2002: $51,089 paid 2003: $114,396 paid 2004: $761,499 paid 2005: $67,972 paid 2006: $15,953 paid 2007: $8,875 paid 2008: $3,581,333 paid 2009: $10,571 paid 2010: $9,594 paid 2011: $9,890 paid 2012: $25,678 paid 2013: $0 paid 2014: $11,733 paid 2015: $8,365 paid 2016: $24,375 paid 2017: $5,486,715 paid 2018: $55,311 paid 2019: $0 paid 2020: $0 paid 2021: $107,795 paid 2022: $41,471,952 paid 2023: $254,911 paid 2024: $1,691,749 paid 2025: $63,109 paid 2026: $0 paid 2022 · $41.5M 1978 2026
$54.4M
total paid
$34,874
average claim
$604K
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 Seminole, FL and where it ranks among U.S. counties. It is not a verdict on whether Seminole 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.