Property Atlas

County hazard profile

Franklin, IN

Indiana · pop. 22,784 · FIPS 18047

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Franklin $13M

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 34.22/100
national median ~50 lower than most counties (34th percentile)
Social vulnerabilityRelatively Low 21.22/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 43.13/100
national median ~50 near the national middle (43rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Franklin

The National Flood Insurance Program has paid 46 flood-insurance claims totaling $745K in Franklin since 1980. The costliest year was 2021 ($169K paid).

Flood-insurance dollars paid by year of loss

1980: $2,351 paid 1983: $2,748 paid 1990: $19,439 paid 1995: $0 paid 1996: $154,924 paid 1998: $25,149 paid 2001: $1,544 paid 2003: $0 paid 2004: $90,331 paid 2005: $8,952 paid 2008: $82,448 paid 2009: $29,717 paid 2010: $0 paid 2012: $3,134 paid 2016: $136,262 paid 2018: $0 paid 2020: $10,580 paid 2021: $169,307 paid 2026: $8,602 paid 2021 · $169K 1980 2026
$745K
total paid
$16,206
average claim
$82K
largest single claim
52%
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 Franklin, IN and where it ranks among U.S. counties. It is not a verdict on whether Franklin 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.