Property Atlas

County hazard profile

Franklin, MO

Missouri · pop. 104,457 · FIPS 29071

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$60M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Franklin $60M

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 Moderate 83.46/100
national median ~50 higher than 83% of counties
Social vulnerabilityRelatively Low 20.23/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 79.2/100
national median ~50 higher than 79% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Franklin

The National Flood Insurance Program has paid 1,096 flood-insurance claims totaling $32.2M in Franklin since 1978. The costliest year was 2015 ($10.2M paid).

Flood-insurance dollars paid by year of loss

1978: $543 paid 1979: $38,842 paid 1982: $727,385 paid 1983: $60,359 paid 1984: $5,324 paid 1985: $101,597 paid 1986: $49,982 paid 1987: $13,019 paid 1988: $6,550 paid 1990: $33,000 paid 1992: $34,074 paid 1993: $734,322 paid 1994: $1,718,597 paid 1995: $102,723 paid 1996: $16,100 paid 1997: $17,329 paid 1998: $100,861 paid 2000: $3,503,917 paid 2001: $13,038 paid 2002: $0 paid 2003: $97,766 paid 2004: $446 paid 2005: $31,439 paid 2008: $6,115,899 paid 2009: $7,183 paid 2010: $0 paid 2011: $58,386 paid 2013: $3,145 paid 2014: $7,719 paid 2015: $10,209,484 paid 2016: $27,264 paid 2017: $7,610,405 paid 2019: $6,599 paid 2023: $1,525 paid 2024: $777,158 paid 2025: $0 paid 2015 · $10.2M 1978 2025
$32.2M
total paid
$29,409
average claim
$1.0M
largest single claim
84%
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 Franklin, MO and where it ranks among U.S. counties. It is not a verdict on whether Franklin 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.