Property Atlas

County hazard profile

Carroll, MO

Missouri · pop. 8,482 · FIPS 29033

Very Low
FEMA risk rating · RATING
Drought
dominant hazard
$9M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Carroll $9M

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 32.6/100
national median ~50 lower than most counties (33rd percentile)
Social vulnerabilityRelatively Moderate 55.88/100
national median ~50 near the national middle (56th percentile)
Community resilienceVery High 84.03/100
national median ~50 higher than 84% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Carroll

The National Flood Insurance Program has paid 179 flood-insurance claims totaling $3.7M in Carroll since 1981. The costliest year was 1998 ($1.0M paid).

Flood-insurance dollars paid by year of loss

1981: $19,700 paid 1982: $39,372 paid 1983: $2,461 paid 1985: $21,229 paid 1990: $7,449 paid 1993: $943,111 paid 1995: $75,502 paid 1998: $1,038,543 paid 2002: $1,271 paid 2007: $309,619 paid 2008: $34,016 paid 2009: $940 paid 2011: $98,422 paid 2016: $50,463 paid 2019: $806,235 paid 2020: $7,765 paid 2021: $231,590 paid 2023: $0 paid 1998 · $1.0M 1981 2023
$3.7M
total paid
$20,602
average claim
$243K
largest single claim
79%
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 Carroll, MO and where it ranks among U.S. counties. It is not a verdict on whether Carroll 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.