Property Atlas

County hazard profile

Albany, NY

New York · pop. 314,684 · FIPS 36001

Relatively Moderate
FEMA risk rating · RATING
Landslide
dominant hazard
$64M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Albany $64M

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 85.88/100
national median ~50 higher than 86% of counties
Social vulnerabilityRelatively Low 29.07/100
national median ~50 lower than most counties (29th percentile)
Community resilienceVery High 91.41/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Albany

The National Flood Insurance Program has paid 362 flood-insurance claims totaling $4.5M in Albany since 1979. The costliest year was 2011 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1979: $15,368 paid 1980: $4,782 paid 1981: $13,525 paid 1982: $1,769 paid 1983: $3,230 paid 1984: $7,804 paid 1985: $0 paid 1986: $214,136 paid 1987: $294 paid 1991: $3,515 paid 1993: $8,602 paid 1996: $555,255 paid 1998: $284 paid 1999: $376,507 paid 2000: $265,401 paid 2001: $13,063 paid 2002: $0 paid 2003: $0 paid 2004: $35,282 paid 2005: $142,485 paid 2006: $49,029 paid 2007: $155,039 paid 2008: $38,518 paid 2009: $54,934 paid 2010: $68,229 paid 2011: $1,994,448 paid 2012: $4,382 paid 2013: $21,570 paid 2014: $75,705 paid 2015: $13,414 paid 2016: $68,484 paid 2017: $19,147 paid 2018: $102,503 paid 2019: $0 paid 2020: $51,938 paid 2021: $6,376 paid 2022: $83,133 paid 2023: $11,268 paid 2024: $13,969 paid 2025: $0 paid 2026: $37,875 paid 2011 · $2.0M 1979 2026
$4.5M
total paid
$12,517
average claim
$227K
largest single claim
56%
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 Albany, NY and where it ranks among U.S. counties. It is not a verdict on whether Albany 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.