Property Atlas

County hazard profile

Niagara, NY

New York · pop. 212,642 · FIPS 36063

Relatively Moderate
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$52M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Niagara $52M

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 83.37/100
national median ~50 higher than 83% of counties
Social vulnerabilityRelatively Low 35.24/100
national median ~50 lower than most counties (35th percentile)
Community resilienceVery High 91.73/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Niagara

The National Flood Insurance Program has paid 179 flood-insurance claims totaling $764K in Niagara since 1978. The costliest year was 2021 ($355K paid).

Flood-insurance dollars paid by year of loss

1978: $912 paid 1979: $16,002 paid 1980: $0 paid 1982: $4,704 paid 1983: $3,427 paid 1984: $0 paid 1985: $29,362 paid 1986: $2,237 paid 1989: $11,040 paid 1991: $0 paid 1993: $4,634 paid 1995: $0 paid 1996: $2,731 paid 1997: $0 paid 1998: $6,101 paid 1999: $7,503 paid 2000: $10,424 paid 2001: $1,936 paid 2002: $4,353 paid 2003: $4,106 paid 2004: $0 paid 2005: $4,674 paid 2006: $22,367 paid 2007: $4,909 paid 2008: $28,144 paid 2010: $0 paid 2011: $0 paid 2012: $0 paid 2013: $149,229 paid 2014: $0 paid 2015: $4,723 paid 2016: $0 paid 2017: $26,248 paid 2018: $0 paid 2019: $20,551 paid 2020: $0 paid 2021: $355,450 paid 2022: $12,617 paid 2023: $0 paid 2024: $6,929 paid 2025: $19,132 paid 2021 · $355K 1978 2025
$764K
total paid
$4,271
average claim
$129K
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 Niagara, NY and where it ranks among U.S. counties. It is not a verdict on whether Niagara 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.