Property Atlas

County hazard profile

Floyd, IN

Indiana · pop. 80,437 · FIPS 18043

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$37M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Floyd $37M

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 Low 75.38/100
national median ~50 higher than 75% of counties
Social vulnerabilityRelatively Low 29.07/100
national median ~50 lower than most counties (29th percentile)
Community resilienceRelatively High 69.37/100
national median ~50 near the national middle (69th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Floyd

The National Flood Insurance Program has paid 233 flood-insurance claims totaling $4.4M in Floyd since 1978. The costliest year was 2025 ($939K paid).

Flood-insurance dollars paid by year of loss

1978: $18,537 paid 1979: $2,120 paid 1980: $2,145 paid 1983: $6,178 paid 1985: $3,038 paid 1988: $0 paid 1989: $10,895 paid 1990: $34,559 paid 1991: $28,540 paid 1992: $108,561 paid 1993: $0 paid 1994: $0 paid 1995: $1,556 paid 1996: $34,250 paid 1997: $741,200 paid 1999: $0 paid 2000: $29,408 paid 2004: $3,352 paid 2005: $8,972 paid 2006: $750,919 paid 2007: $0 paid 2009: $582,546 paid 2010: $14,089 paid 2011: $253,134 paid 2012: $0 paid 2013: $1,217 paid 2014: $38,869 paid 2015: $43,724 paid 2016: $43,779 paid 2017: $31,077 paid 2018: $665,819 paid 2021: $0 paid 2022: $3,766 paid 2025: $938,526 paid 2025 · $939K 1978 2025
$4.4M
total paid
$18,887
average claim
$154K
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 Floyd, IN and where it ranks among U.S. counties. It is not a verdict on whether Floyd 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.