Property Atlas

County hazard profile

Richmond, GA

Georgia · pop. 206,329 · FIPS 13245

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$57M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Richmond $57M

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 87.4/100
national median ~50 higher than 87% of counties
Social vulnerabilityRelatively High 61.64/100
national median ~50 near the national middle (62nd percentile)
Community resilienceRelatively Moderate 50.25/100
national median ~50 near the national middle (50th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Richmond

The National Flood Insurance Program has paid 571 flood-insurance claims totaling $5.2M in Richmond since 1979. The costliest year was 1990 ($939K paid).

Flood-insurance dollars paid by year of loss

1979: $1,043 paid 1980: $0 paid 1981: $1,474 paid 1984: $34,449 paid 1985: $3,821 paid 1986: $21,940 paid 1987: $4,191 paid 1988: $31,311 paid 1989: $0 paid 1990: $939,058 paid 1991: $38,655 paid 1992: $102,849 paid 1993: $3,850 paid 1994: $34,778 paid 1995: $261,176 paid 1996: $219,158 paid 1998: $408,671 paid 1999: $28,348 paid 2000: $743,936 paid 2001: $4,935 paid 2002: $24,536 paid 2003: $35,937 paid 2004: $15,741 paid 2005: $28,043 paid 2007: $8,095 paid 2008: $0 paid 2009: $0 paid 2010: $14,008 paid 2011: $0 paid 2012: $149,315 paid 2013: $48,365 paid 2014: $87,154 paid 2015: $0 paid 2016: $12,712 paid 2017: $21,420 paid 2018: $118,235 paid 2019: $129,500 paid 2020: $272,403 paid 2021: $0 paid 2022: $0 paid 2023: $525,570 paid 2024: $768,794 paid 2025: $40,070 paid 1990 · $939K 1979 2025
$5.2M
total paid
$9,078
average claim
$165K
largest single claim
62%
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 Richmond, GA and where it ranks among U.S. counties. It is not a verdict on whether Richmond 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.