Property Atlas

County hazard profile

Jefferson, MO

Missouri · pop. 226,703 · FIPS 29099

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$114M
modeled expected annual loss/yr

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

lower than most counties (35th percentile)

national median $15M/yr Jefferson $114M

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 90.52/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 12.18/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 68.29/100
national median ~50 near the national middle (68th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Jefferson

The National Flood Insurance Program has paid 4,592 flood-insurance claims totaling $69.3M in Jefferson since 1978. The costliest year was 1993 ($15.0M paid).

Flood-insurance dollars paid by year of loss

1978: $38,208 paid 1979: $2,185,819 paid 1980: $31,165 paid 1981: $142,251 paid 1982: $5,623,218 paid 1983: $1,635,848 paid 1984: $40,086 paid 1985: $1,163,990 paid 1986: $538,540 paid 1987: $477 paid 1988: $0 paid 1989: $7,202 paid 1990: $373,856 paid 1991: $30,583 paid 1992: $8,586 paid 1993: $14,986,046 paid 1994: $3,104,744 paid 1995: $2,272,862 paid 1996: $892,354 paid 1997: $69,000 paid 1998: $192,096 paid 1999: $19,927 paid 2000: $642,239 paid 2001: $31,644 paid 2002: $281,410 paid 2003: $789,473 paid 2004: $19,451 paid 2005: $202,948 paid 2006: $37,485 paid 2007: $7,684 paid 2008: $6,514,763 paid 2009: $435,383 paid 2010: $979 paid 2011: $125,485 paid 2013: $1,914,675 paid 2014: $113,968 paid 2015: $11,960,369 paid 2016: $796,410 paid 2017: $7,274,671 paid 2018: $41,593 paid 2019: $1,606,243 paid 2020: $74,973 paid 2021: $177,463 paid 2022: $1,015,983 paid 2023: $8,939 paid 2024: $1,764,397 paid 2025: $56,680 paid 2026: $9,371 paid 1993 · $15.0M 1978 2026
$69.3M
total paid
$15,083
average claim
$594K
largest single claim
78%
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 Jefferson, MO and where it ranks among U.S. counties. It is not a verdict on whether Jefferson 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.