Property Atlas

County hazard profile

Carroll, IN

Indiana · pop. 20,289 · FIPS 18015

Very Low
FEMA risk rating · RATING
Drought
dominant hazard
$12M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Carroll $12M

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 indexVery Low 29.64/100
national median ~50 lower than most counties (30th percentile)
Social vulnerabilityVery Low 13.39/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 67.43/100
national median ~50 near the national middle (67th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Carroll

The National Flood Insurance Program has paid 501 flood-insurance claims totaling $17.3M in Carroll since 1981. The costliest year was 2008 ($8.6M paid).

Flood-insurance dollars paid by year of loss

1981: $795 paid 1982: $0 paid 1983: $824 paid 1984: $0 paid 1985: $20,531 paid 1989: $68,178 paid 1990: $87,396 paid 1991: $6,263 paid 1992: $10,250 paid 1993: $70,865 paid 1994: $212,672 paid 1997: $0 paid 1998: $48,341 paid 2003: $769,174 paid 2005: $49,145 paid 2008: $8,640,962 paid 2009: $2,979,957 paid 2011: $8,962 paid 2013: $463,834 paid 2014: $856 paid 2015: $114,240 paid 2017: $54,027 paid 2018: $3,717,971 paid 2020: $2,440 paid 2022: $0 paid 2024: $0 paid 2008 · $8.6M 1981 2024
$17.3M
total paid
$34,586
average claim
$214K
largest single claim
79%
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 Carroll, IN and where it ranks among U.S. counties. It is not a verdict on whether Carroll 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.