Property Atlas

County hazard profile

Cole, MO

Missouri · pop. 76,989 · FIPS 29051

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$43M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Cole $43M

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 73.44/100
national median ~50 near the national middle (73rd percentile)
Social vulnerabilityVery Low 12.18/100
national median ~50 among the lowest nationally
Community resilienceVery High 88.58/100
national median ~50 higher than 89% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cole

The National Flood Insurance Program has paid 416 flood-insurance claims totaling $7.6M in Cole since 1979. The costliest year was 1993 ($2.3M paid).

Flood-insurance dollars paid by year of loss

1979: $30,000 paid 1981: $609 paid 1982: $26,461 paid 1983: $23,325 paid 1985: $107,556 paid 1986: $228,306 paid 1987: $9,015 paid 1990: $55,419 paid 1992: $11,669 paid 1993: $2,343,483 paid 1994: $97,493 paid 1995: $737,126 paid 1996: $62,223 paid 1997: $44,337 paid 1998: $183,279 paid 1999: $58,147 paid 2001: $97,923 paid 2002: $62,902 paid 2004: $4,014 paid 2005: $61,626 paid 2007: $54,594 paid 2008: $130,951 paid 2009: $86,346 paid 2010: $24,959 paid 2011: $0 paid 2013: $134,380 paid 2014: $80,706 paid 2015: $225,881 paid 2016: $935,247 paid 2017: $86,603 paid 2019: $1,069,599 paid 2020: $189,307 paid 2021: $316,152 paid 2022: $0 paid 2024: $4,367 paid 1993 · $2.3M 1979 2024
$7.6M
total paid
$18,231
average claim
$500K
largest single claim
83%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Cole, MO and where it ranks among U.S. counties. It is not a verdict on whether Cole 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.