Property Atlas

County hazard profile

Somerset, MD

Maryland · pop. 24,620 · FIPS 24039

Relatively Low
FEMA risk rating · RATING
Coastal Flooding
dominant hazard
$17M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Somerset $17M

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 59.57/100
national median ~50 near the national middle (60th percentile)
Social vulnerabilityRelatively High 72.07/100
national median ~50 near the national middle (72nd percentile)
Community resilienceVery High 91.86/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Somerset

The National Flood Insurance Program has paid 1,260 flood-insurance claims totaling $15.1M in Somerset since 1979. The costliest year was 2012 ($10.7M paid).

Flood-insurance dollars paid by year of loss

1979: $1,892 paid 1980: $6,897 paid 1983: $25 paid 1984: $157,309 paid 1985: $12,445 paid 1989: $0 paid 1991: $12,266 paid 1992: $2,515 paid 1993: $7,249 paid 1994: $7,646 paid 1995: $0 paid 1996: $0 paid 1997: $0 paid 1998: $0 paid 1999: $510,270 paid 2000: $0 paid 2003: $1,342,525 paid 2004: $6,297 paid 2005: $8,643 paid 2006: $13,563 paid 2008: $9,808 paid 2009: $9,028 paid 2010: $2,044 paid 2011: $115,391 paid 2012: $10,653,144 paid 2013: $11,052 paid 2014: $6,847 paid 2015: $2,812 paid 2016: $12,913 paid 2017: $8,086 paid 2018: $3,153 paid 2019: $141,137 paid 2020: $62,983 paid 2021: $1,196,563 paid 2022: $314,616 paid 2023: $109,358 paid 2024: $161,048 paid 2025: $206,437 paid 2026: $0 paid 2012 · $10.7M 1979 2026
$15.1M
total paid
$11,997
average claim
$214K
largest single claim
95%
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 Somerset, MD and where it ranks among U.S. counties. It is not a verdict on whether Somerset 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.