Property Atlas

County hazard profile

Owen, IN

Indiana · pop. 21,316 · FIPS 18119

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$10M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Owen $10M

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 35.11/100
national median ~50 lower than most counties (35th percentile)
Social vulnerabilityRelatively Moderate 47.11/100
national median ~50 near the national middle (47th percentile)
Community resilienceRelatively Moderate 43.35/100
national median ~50 near the national middle (43rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Owen

The National Flood Insurance Program has paid 146 flood-insurance claims totaling $3.6M in Owen since 1991. The costliest year was 2008 ($2.3M paid).

Flood-insurance dollars paid by year of loss

1991: $7,021 paid 1993: $113,853 paid 1995: $5,500 paid 1998: $11,484 paid 2002: $57,053 paid 2003: $48,593 paid 2005: $646,808 paid 2008: $2,256,913 paid 2009: $11,386 paid 2010: $6,304 paid 2013: $14,780 paid 2015: $2,249 paid 2017: $3,067 paid 2021: $111,956 paid 2024: $4,088 paid 2025: $291,827 paid 2008 · $2.3M 1991 2025
$3.6M
total paid
$24,609
average claim
$114K
largest single claim
84%
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 Owen, IN and where it ranks among U.S. counties. It is not a verdict on whether Owen 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.