Property Atlas

County hazard profile

Walton, FL

Florida · pop. 75,211 · FIPS 12131

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$68M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Walton $68M

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 88.58/100
national median ~50 higher than 89% of counties
Social vulnerabilityRelatively Moderate 51.69/100
national median ~50 near the national middle (52nd percentile)
Community resilienceRelatively High 60.69/100
national median ~50 near the national middle (61st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Walton

The National Flood Insurance Program has paid 3,174 flood-insurance claims totaling $68.5M in Walton since 1978. The costliest year was 1995 ($23.1M paid).

Flood-insurance dollars paid by year of loss

1978: $4,399 paid 1979: $2,955 paid 1980: $425 paid 1984: $761 paid 1985: $468 paid 1989: $31,392 paid 1990: $92,954 paid 1991: $25,052 paid 1992: $6,652 paid 1993: $0 paid 1994: $564,289 paid 1995: $23,082,351 paid 1996: $6,164 paid 1997: $5,547 paid 1998: $1,994,193 paid 1999: $0 paid 2000: $0 paid 2001: $0 paid 2002: $43,066 paid 2003: $23,628 paid 2004: $11,495,823 paid 2005: $15,657,297 paid 2006: $5,900 paid 2007: $20,151 paid 2008: $94,942 paid 2009: $262,234 paid 2010: $23,877 paid 2011: $0 paid 2012: $29,808 paid 2013: $255,577 paid 2014: $8,682,779 paid 2015: $63,640 paid 2016: $18,919 paid 2017: $47,495 paid 2018: $201,991 paid 2019: $0 paid 2020: $4,958,044 paid 2021: $429,484 paid 2022: $75,346 paid 2023: $67,766 paid 2024: $229,563 paid 2025: $1,982 paid 1995 · $23.1M 1978 2025
$68.5M
total paid
$21,584
average claim
$2.0M
largest single claim
41%
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 Walton, FL and where it ranks among U.S. counties. It is not a verdict on whether Walton 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.