Property Atlas

County hazard profile

Delaware, NY

New York · pop. 44,102 · FIPS 36025

Relatively Moderate
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Delaware $35M

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 83.33/100
national median ~50 higher than 83% of counties
Social vulnerabilityVery High 85.88/100
national median ~50 higher than 86% of counties
Community resilienceRelatively High 63.17/100
national median ~50 near the national middle (63rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Delaware

The National Flood Insurance Program has paid 1,290 flood-insurance claims totaling $39.6M in Delaware since 1978. The costliest year was 2006 ($18.9M paid).

Flood-insurance dollars paid by year of loss

1978: $7,566 paid 1979: $32,287 paid 1980: $13,713 paid 1981: $35,103 paid 1982: $10,893 paid 1983: $4,585 paid 1984: $0 paid 1985: $8,593 paid 1986: $12,273 paid 1987: $10,321 paid 1989: $0 paid 1991: $0 paid 1992: $34,045 paid 1993: $0 paid 1994: $0 paid 1996: $1,745,452 paid 1998: $5,716 paid 1999: $66,912 paid 2000: $3,366 paid 2001: $5,634 paid 2003: $34,355 paid 2004: $1,107,541 paid 2005: $829,387 paid 2006: $18,882,728 paid 2007: $4,106 paid 2008: $82,813 paid 2009: $3,174 paid 2010: $129,502 paid 2011: $16,313,665 paid 2012: $0 paid 2013: $16,889 paid 2014: $0 paid 2015: $0 paid 2017: $7,783 paid 2018: $33,976 paid 2019: $8,520 paid 2020: $12,360 paid 2023: $134 paid 2024: $162,896 paid 2025: $0 paid 2006 · $18.9M 1978 2025
$39.6M
total paid
$30,718
average claim
$1.0M
largest single claim
76%
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 Delaware, NY and where it ranks among U.S. counties. It is not a verdict on whether Delaware 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.