Property Atlas

County hazard profile

Livingston, NY

New York · pop. 61,807 · FIPS 36051

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$18M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Livingston $18M

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 56.36/100
national median ~50 near the national middle (56th percentile)
Social vulnerabilityRelatively Moderate 43.29/100
national median ~50 near the national middle (43rd percentile)
Community resilienceVery High 82.95/100
national median ~50 higher than 83% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Livingston

The National Flood Insurance Program has paid 101 flood-insurance claims totaling $629K in Livingston since 1978. The costliest year was 2015 ($101K paid).

Flood-insurance dollars paid by year of loss

1978: $15,772 paid 1979: $1,615 paid 1980: $0 paid 1981: $7,567 paid 1982: $15,717 paid 1989: $11,431 paid 1990: $0 paid 1991: $0 paid 1993: $1,899 paid 1994: $6,990 paid 1996: $89,715 paid 1998: $9,274 paid 2000: $4,022 paid 2001: $0 paid 2002: $0 paid 2003: $84,166 paid 2004: $0 paid 2005: $6,516 paid 2008: $59,761 paid 2009: $4,704 paid 2011: $3,790 paid 2014: $18,759 paid 2015: $101,067 paid 2017: $63,643 paid 2018: $11,613 paid 2021: $0 paid 2024: $9,950 paid 2025: $94,816 paid 2026: $6,550 paid 2015 · $101K 1978 2026
$629K
total paid
$6,231
average claim
$59K
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 Livingston, NY and where it ranks among U.S. counties. It is not a verdict on whether Livingston 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.