Property Atlas

County hazard profile

Dutchess, NY

New York · pop. 295,788 · FIPS 36027

Relatively Moderate
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$85M
modeled expected annual loss/yr

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

lower than most counties (26th percentile)

national median $15M/yr Dutchess $85M

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 88.26/100
national median ~50 higher than 88% of counties
Social vulnerabilityRelatively Low 21.02/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 75.16/100
national median ~50 higher than 75% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Dutchess

The National Flood Insurance Program has paid 763 flood-insurance claims totaling $14.0M in Dutchess since 1978. The costliest year was 2011 ($4.5M paid).

Flood-insurance dollars paid by year of loss

1978: $27,433 paid 1979: $6,701 paid 1980: $1,966 paid 1981: $445 paid 1982: $919 paid 1983: $2,940 paid 1984: $101,550 paid 1987: $18,168 paid 1988: $0 paid 1989: $62,523 paid 1990: $0 paid 1994: $1,750 paid 1995: $33,300 paid 1996: $142,381 paid 1997: $3,016 paid 1998: $1,017 paid 1999: $481,393 paid 2000: $2,825 paid 2001: $3,013 paid 2002: $22,808 paid 2003: $101,038 paid 2004: $15,368 paid 2005: $682,742 paid 2006: $28,946 paid 2007: $4,172,889 paid 2008: $97,900 paid 2009: $78,648 paid 2010: $36,994 paid 2011: $4,533,227 paid 2012: $289,657 paid 2013: $53,892 paid 2014: $16,797 paid 2015: $0 paid 2016: $14,511 paid 2018: $39,414 paid 2020: $5,606 paid 2021: $1,727,225 paid 2022: $35,613 paid 2023: $1,014,766 paid 2024: $90,543 paid 2025: $495 paid 2026: $0 paid 2011 · $4.5M 1978 2026
$14.0M
total paid
$18,284
average claim
$763K
largest single claim
60%
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 Dutchess, NY and where it ranks among U.S. counties. It is not a verdict on whether Dutchess 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.