Property Atlas

County hazard profile

Ramsey, MN

Minnesota · pop. 552,246 · FIPS 27123

Relatively High
FEMA risk rating · RATING
Cold Wave
dominant hazard
$181M
modeled expected annual loss/yr

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

near the national middle (56th percentile)

national median $15M/yr Ramsey $181M

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 High 94.62/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 27.39/100
national median ~50 lower than most counties (27th percentile)
Community resilienceVery High 93.54/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Ramsey

The National Flood Insurance Program has paid 145 flood-insurance claims totaling $1.3M in Ramsey since 1978. The costliest year was 2001 ($434K paid).

Flood-insurance dollars paid by year of loss

1978: $27,552 paid 1979: $24,997 paid 1980: $0 paid 1981: $3,924 paid 1982: $0 paid 1983: $7,951 paid 1984: $202,438 paid 1987: $3,576 paid 1988: $0 paid 1992: $75 paid 1993: $6,632 paid 1997: $309,567 paid 2000: $8,799 paid 2001: $434,026 paid 2002: $0 paid 2003: $1,441 paid 2005: $1,244 paid 2007: $145,200 paid 2010: $0 paid 2011: $104,828 paid 2012: $0 paid 2013: $6,257 paid 2014: $43,780 paid 2015: $0 paid 2016: $0 paid 2017: $1,461 paid 2019: $15,378 paid 2020: $0 paid 2022: $0 paid 2023: $0 paid 2025: $0 paid 2001 · $434K 1978 2025
$1.3M
total paid
$9,304
average claim
$196K
largest single claim
28%
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 Ramsey, MN and where it ranks among U.S. counties. It is not a verdict on whether Ramsey 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.