Property Atlas

County hazard profile

Genesee, NY

New York · pop. 58,382 · FIPS 36037

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$19M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Genesee $19M

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 56.11/100
national median ~50 near the national middle (56th percentile)
Social vulnerabilityRelatively Low 38.45/100
national median ~50 lower than most counties (38th percentile)
Community resilienceVery High 89.15/100
national median ~50 higher than 89% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Genesee

The National Flood Insurance Program has paid 137 flood-insurance claims totaling $1.8M in Genesee since 1978. The costliest year was 2017 ($721K paid).

Flood-insurance dollars paid by year of loss

1978: $1,683 paid 1979: $8,456 paid 1980: $1,038 paid 1982: $671 paid 1984: $0 paid 1985: $13,784 paid 1986: $0 paid 1989: $0 paid 1996: $113,587 paid 1998: $286,037 paid 1999: $0 paid 2007: $43,669 paid 2008: $35,901 paid 2009: $190,768 paid 2010: $0 paid 2011: $23,030 paid 2012: $11,610 paid 2013: $18,279 paid 2017: $721,434 paid 2018: $2,160 paid 2021: $0 paid 2026: $361,624 paid 2017 · $721K 1978 2026
$1.8M
total paid
$13,385
average claim
$302K
largest single claim
57%
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 Genesee, NY and where it ranks among U.S. counties. It is not a verdict on whether Genesee 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.