---
title: Gem, ID — natural hazard risk profile & national ranking
source: FEMA National Risk Index (county-level)
sourceUrl: https://hazards.fema.gov/nri/
fips: 16045
---

# Gem, ID

Idaho · pop. 19,098 · FIPS 16045

**FEMA risk rating: Very Low** · dominant hazard: Wildfire · modeled expected annual loss $11M/yr

These risk dimensions are FEMA/CDC MODELS (a rating, not records of disasters); population is a recorded census figure.

## Where Gem ranks among 3,232 U.S. counties

Each rank is COMPUTED — the county's modeled score placed within the national distribution. A rank within a model, not within observed disasters.

| Dimension | This county | National rank |
| --- | --- | --- |
| FEMA risk index | 34.45 | ≈ 34th pct — lower than most counties (34th percentile) (national median 50.02, n=3,144) |
| Expected annual loss | $11M | ≈ 3rd pct — among the lowest nationally (national median $15M, n=3,232) |
| Social vulnerability | 36.07 | ≈ 36th pct — lower than most counties (36th percentile) (national median 50.03, n=3,144) |
| Community resilience | 29.2 | ≈ 29th pct — lower than most counties (29th percentile) (national median 50.02, n=3,144) |

## Realized flood losses in Gem (RECORDED — NFIP claims)

The National Flood Insurance Program has paid **4** flood-insurance claims totaling **$19,220** in Gem since 1997. The costliest year of loss was **2010** ($10,497 paid).

| Metric | Value |
| --- | --- |
| Total claims paid | $19,220 |
| Claims | 4 |
| Average claim | $4,805 |
| Largest single claim | $10,497 |
| Claims since 2000 | 3 |
| In high-risk flood zones (A/V) | 75% |

These are **RECORDED** actual paid NFIP claims (a redacted census from OpenFEMA), not a model — the realized counterpart to the FEMA risk score above. **Scope:** flood-*insurance* claims UNDERCOUNT flooding where owners were uninsured ("what NFIP paid," not "every flood"); county-level totals, not a per-property verdict. Source: OpenFEMA NFIP Redacted Claims v2 (`src:openfema:nfip-claims-v2:2026`). Verify an address and buy coverage at https://www.floodsmart.gov/.

## What this is — and is NOT (interpretation)

This is FEMA/CDC **modeled** hazard exposure for Gem, ID and its national rank. It is **not** a verdict on whether Gem is a good or bad place to live (hazard exposure is not place quality), **not** a per-property or per-address assessment, **not** a prediction of any specific disaster, and **not** insurance advice. For site-specific risk use a per-property assessment; for the model see https://hazards.fema.gov/nri/.

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Structured data (JSON-LD), with each figure's status labeled: `/property/counties/16045.jsonld`