Property Atlas

County hazard profile

Passaic, NJ

New Jersey · pop. 523,958 · FIPS 34031

Relatively High
FEMA risk rating · RATING
Strong Wind
dominant hazard
$149M
modeled expected annual loss/yr

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

near the national middle (46th percentile)

national median $15M/yr Passaic $149M

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 High 95.83/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 75.95/100
national median ~50 higher than 76% of counties
Community resilienceRelatively Low 38.36/100
national median ~50 lower than most counties (38th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Passaic

The National Flood Insurance Program has paid 14,382 flood-insurance claims totaling $316.7M in Passaic since 1978. The costliest year was 2011 ($137.1M paid).

Flood-insurance dollars paid by year of loss

1978: $181,516 paid 1979: $554,329 paid 1980: $1,090,720 paid 1981: $97,681 paid 1982: $116,148 paid 1983: $1,086,442 paid 1984: $17,161,466 paid 1985: $157,474 paid 1986: $45,777 paid 1987: $728,547 paid 1988: $33,060 paid 1989: $1,486,346 paid 1990: $440,885 paid 1991: $42,066 paid 1992: $140,331 paid 1993: $417,227 paid 1994: $72,143 paid 1995: $174,951 paid 1996: $750,868 paid 1997: $13,528 paid 1998: $256,462 paid 1999: $25,835,742 paid 2000: $238,838 paid 2001: $75,655 paid 2002: $4,980 paid 2003: $693,369 paid 2004: $10,753 paid 2005: $14,274,126 paid 2006: $203,785 paid 2007: $34,694,645 paid 2008: $142,702 paid 2009: $49,276 paid 2010: $35,316,718 paid 2011: $137,132,324 paid 2012: $2,835,485 paid 2013: $122,787 paid 2014: $123,103 paid 2015: $23,900 paid 2016: $203,574 paid 2017: $36,087 paid 2018: $6,108,371 paid 2019: $15,295 paid 2020: $65,118 paid 2021: $24,748,197 paid 2022: $50,437 paid 2023: $6,360,236 paid 2024: $2,257,685 paid 2025: $19,515 paid 2026: $0 paid 2011 · $137.1M 1978 2026
$316.7M
total paid
$22,020
average claim
$1.0M
largest single claim
91%
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 Passaic, NJ and where it ranks among U.S. counties. It is not a verdict on whether Passaic 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.