Property Atlas

County hazard profile

Herkimer, NY

New York · pop. 60,103 · FIPS 36043

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$21M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Herkimer $21M

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 60.02/100
national median ~50 near the national middle (60th percentile)
Social vulnerabilityRelatively Low 39.22/100
national median ~50 lower than most counties (39th percentile)
Community resilienceVery High 83.97/100
national median ~50 higher than 84% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Herkimer

The National Flood Insurance Program has paid 422 flood-insurance claims totaling $6.1M in Herkimer since 1978. The costliest year was 2019 ($2.2M paid).

Flood-insurance dollars paid by year of loss

1978: $455 paid 1979: $25,819 paid 1980: $8,134 paid 1981: $12,999 paid 1982: $1,383 paid 1984: $620 paid 1986: $75,839 paid 1987: $0 paid 1988: $1,407 paid 1990: $0 paid 1993: $2,449 paid 1994: $57,482 paid 1996: $201,562 paid 1997: $5,492 paid 1998: $0 paid 1999: $21,949 paid 2000: $32,859 paid 2003: $6,008 paid 2006: $582,596 paid 2007: $1,511 paid 2009: $4,619 paid 2010: $56,431 paid 2011: $491,192 paid 2012: $0 paid 2013: $2,032,761 paid 2014: $77,012 paid 2017: $38,012 paid 2019: $2,238,868 paid 2021: $1,978 paid 2022: $108,004 paid 2023: $19,301 paid 2025: $25,615 paid 2019 · $2.2M 1978 2025
$6.1M
total paid
$14,532
average claim
$337K
largest single claim
67%
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 Herkimer, NY and where it ranks among U.S. counties. It is not a verdict on whether Herkimer 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.