Property Atlas

County hazard profile

Fulton, NY

New York · pop. 53,276 · FIPS 36035

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$17M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Fulton $17M

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 48.63/100
national median ~50 near the national middle (49th percentile)
Social vulnerabilityRelatively Low 31.46/100
national median ~50 lower than most counties (31st percentile)
Community resilienceRelatively High 71.34/100
national median ~50 near the national middle (71st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Fulton

The National Flood Insurance Program has paid 116 flood-insurance claims totaling $874K in Fulton since 1979. The costliest year was 2006 ($264K paid).

Flood-insurance dollars paid by year of loss

1979: $51,033 paid 1980: $3,509 paid 1981: $245,785 paid 1982: $1,813 paid 1983: $1,145 paid 1986: $2,163 paid 1987: $5,060 paid 1988: $4,195 paid 1990: $115,800 paid 1996: $8,857 paid 1998: $8,064 paid 1999: $0 paid 2000: $12,158 paid 2003: $13,186 paid 2005: $3,908 paid 2006: $264,407 paid 2010: $0 paid 2011: $40,200 paid 2013: $0 paid 2014: $23,047 paid 2017: $4,762 paid 2019: $6,359 paid 2021: $9,365 paid 2022: $21,886 paid 2023: $0 paid 2024: $27,037 paid 2006 · $264K 1979 2024
$874K
total paid
$7,532
average claim
$116K
largest single claim
59%
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 Fulton, NY and where it ranks among U.S. counties. It is not a verdict on whether Fulton 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.