Property Atlas

County hazard profile

Elkhart, IN

Indiana · pop. 206,994 · FIPS 18039

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$49M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Elkhart $49M

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 83.75/100
national median ~50 higher than 84% of counties
Social vulnerabilityRelatively Moderate 45.32/100
national median ~50 near the national middle (45th percentile)
Community resilienceRelatively High 61.13/100
national median ~50 near the national middle (61st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Elkhart

The National Flood Insurance Program has paid 378 flood-insurance claims totaling $3.8M in Elkhart since 1978. The costliest year was 2018 ($2.5M paid).

Flood-insurance dollars paid by year of loss

1978: $9,342 paid 1979: $24,691 paid 1980: $9,105 paid 1981: $99,027 paid 1982: $163,442 paid 1985: $105,115 paid 1989: $22,627 paid 1990: $51,716 paid 1991: $65 paid 1992: $6,004 paid 1993: $50,165 paid 1996: $157,980 paid 1998: $503 paid 2001: $0 paid 2002: $49,479 paid 2004: $43,082 paid 2005: $30,586 paid 2006: $30,762 paid 2007: $5,819 paid 2008: $311,352 paid 2009: $4,118 paid 2011: $854 paid 2012: $0 paid 2013: $12,416 paid 2014: $0 paid 2015: $12,584 paid 2016: $7,119 paid 2018: $2,524,979 paid 2019: $28,041 paid 2020: $11,792 paid 2024: $9,454 paid 2025: $16,448 paid 2026: $0 paid 2018 · $2.5M 1978 2026
$3.8M
total paid
$10,049
average claim
$500K
largest single claim
68%
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 Elkhart, IN and where it ranks among U.S. counties. It is not a verdict on whether Elkhart 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.