Property Atlas

County hazard profile

Harford, MD

Maryland · pop. 260,746 · FIPS 24025

Relatively Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$51M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Harford $51M

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 72.46/100
national median ~50 near the national middle (72nd percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 91.6/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Harford

The National Flood Insurance Program has paid 353 flood-insurance claims totaling $4.0M in Harford since 1978. The costliest year was 2003 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1978: $88,271 paid 1979: $102,492 paid 1980: $6,713 paid 1983: $31,327 paid 1984: $50,839 paid 1985: $15,960 paid 1987: $6,145 paid 1988: $0 paid 1989: $17,340 paid 1992: $0 paid 1993: $7,578 paid 1996: $61,914 paid 1997: $0 paid 1998: $344 paid 1999: $124,927 paid 2000: $0 paid 2002: $0 paid 2003: $2,023,658 paid 2004: $82,189 paid 2005: $18,184 paid 2006: $68,845 paid 2007: $0 paid 2008: $0 paid 2009: $12,900 paid 2010: $8,700 paid 2011: $347,277 paid 2012: $33,177 paid 2013: $398 paid 2014: $58,364 paid 2015: $0 paid 2016: $0 paid 2017: $8,483 paid 2018: $372,174 paid 2019: $738 paid 2020: $0 paid 2021: $26,385 paid 2022: $15,394 paid 2023: $0 paid 2024: $275,997 paid 2025: $96,311 paid 2003 · $2.0M 1978 2025
$4.0M
total paid
$11,227
average claim
$225K
largest single claim
55%
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 Harford, MD and where it ranks among U.S. counties. It is not a verdict on whether Harford 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.