Property Atlas

County hazard profile

Wayne, MO

Missouri · pop. 10,969 · FIPS 29223

Relatively Low
FEMA risk rating · RATING
Earthquake
dominant hazard
$15M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Wayne $15M

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 67.02/100
national median ~50 near the national middle (67th percentile)
Social vulnerabilityVery High 92.97/100
national median ~50 among the highest nationally
Community resilienceVery Low 5.63/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Wayne

The National Flood Insurance Program has paid 141 flood-insurance claims totaling $3.2M in Wayne since 1982. The costliest year was 2008 ($1.9M paid).

Flood-insurance dollars paid by year of loss

1982: $31,194 paid 1983: $56,541 paid 1989: $6,500 paid 1993: $86,403 paid 1995: $0 paid 1998: $2,195 paid 1999: $34,500 paid 2002: $96,293 paid 2005: $95,149 paid 2008: $1,921,535 paid 2009: $0 paid 2011: $258,163 paid 2015: $0 paid 2016: $21,029 paid 2017: $517,570 paid 2019: $0 paid 2023: $22,869 paid 2025: $18,501 paid 2008 · $1.9M 1982 2025
$3.2M
total paid
$22,471
average claim
$429K
largest single claim
77%
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 Wayne, MO and where it ranks among U.S. counties. It is not a verdict on whether Wayne 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.