Property Atlas

County hazard profile

Monroe, NY

New York · pop. 758,349 · FIPS 36055

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$141M
modeled expected annual loss/yr

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

near the national middle (44th percentile)

national median $15M/yr Monroe $141M

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 93.77/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 43.51/100
national median ~50 near the national middle (44th percentile)
Community resilienceVery High 94.37/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Monroe

The National Flood Insurance Program has paid 827 flood-insurance claims totaling $4.9M in Monroe since 1978. The costliest year was 2004 ($1.2M paid).

Flood-insurance dollars paid by year of loss

1978: $45,355 paid 1979: $17,850 paid 1980: $11,611 paid 1981: $800 paid 1982: $5,538 paid 1983: $138 paid 1984: $10,292 paid 1985: $5,012 paid 1986: $30,450 paid 1987: $11,630 paid 1988: $0 paid 1989: $1,538 paid 1990: $0 paid 1991: $28,720 paid 1992: $7,876 paid 1993: $243,860 paid 1994: $1,476 paid 1995: $23,235 paid 1996: $78,603 paid 1997: $0 paid 1998: $606,271 paid 1999: $55,794 paid 2000: $37,607 paid 2001: $7,186 paid 2002: $6,142 paid 2003: $11,821 paid 2004: $1,215,023 paid 2005: $70,339 paid 2006: $29,274 paid 2007: $21,787 paid 2008: $14,533 paid 2009: $5,516 paid 2010: $0 paid 2011: $57,546 paid 2012: $13,922 paid 2013: $128,575 paid 2014: $259,523 paid 2015: $4,290 paid 2017: $998,108 paid 2018: $41,458 paid 2019: $330,162 paid 2020: $54,685 paid 2021: $48,182 paid 2022: $0 paid 2023: $75,262 paid 2024: $0 paid 2025: $237,278 paid 2026: $34,749 paid 2004 · $1.2M 1978 2026
$4.9M
total paid
$5,912
average claim
$210K
largest single claim
65%
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 Monroe, NY and where it ranks among U.S. counties. It is not a verdict on whether Monroe 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.