Property Atlas

County hazard profile

Chenango, NY

New York · pop. 47,199 · FIPS 36017

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$27M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Chenango $27M

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 72.33/100
national median ~50 near the national middle (72nd percentile)
Social vulnerabilityRelatively Moderate 57.92/100
national median ~50 near the national middle (58th percentile)
Community resilienceRelatively Moderate 57.35/100
national median ~50 near the national middle (57th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Chenango

The National Flood Insurance Program has paid 632 flood-insurance claims totaling $11.4M in Chenango since 1978. The costliest year was 2011 ($5.5M paid).

Flood-insurance dollars paid by year of loss

1978: $8,066 paid 1979: $16,798 paid 1980: $1,924 paid 1981: $7,010 paid 1982: $0 paid 1983: $11,971 paid 1986: $10,218 paid 1993: $8,199 paid 1994: $1,434 paid 1996: $47,214 paid 1998: $0 paid 1999: $1,208 paid 2000: $4,981 paid 2001: $0 paid 2004: $14,358 paid 2005: $674,622 paid 2006: $4,605,027 paid 2007: $3,062 paid 2008: $4,309 paid 2011: $5,549,698 paid 2012: $1,000 paid 2013: $204,375 paid 2014: $0 paid 2015: $4,438 paid 2017: $812 paid 2018: $11,305 paid 2019: $42,708 paid 2020: $0 paid 2023: $16,937 paid 2024: $24,786 paid 2025: $76,554 paid 2011 · $5.5M 1978 2025
$11.4M
total paid
$17,964
average claim
$500K
largest single claim
65%
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 Chenango, NY and where it ranks among U.S. counties. It is not a verdict on whether Chenango 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.