Property Atlas

County hazard profile

Ontario, NY

New York · pop. 112,342 · FIPS 36069

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$27M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Ontario $27M

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 63.55/100
national median ~50 near the national middle (64th percentile)
Social vulnerabilityRelatively Low 24.14/100
national median ~50 among the lowest nationally
Community resilienceVery High 94.88/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Ontario

The National Flood Insurance Program has paid 263 flood-insurance claims totaling $3.8M in Ontario since 1978. The costliest year was 2012 ($1.3M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $4,166 paid 1981: $4,329 paid 1982: $2,900 paid 1984: $3,609 paid 1985: $0 paid 1986: $12,741 paid 1987: $0 paid 1988: $0 paid 1989: $0 paid 1990: $0 paid 1991: $0 paid 1992: $898 paid 1993: $480,646 paid 1994: $9,396 paid 1995: $0 paid 1996: $16,711 paid 1998: $4,702 paid 2001: $0 paid 2003: $11,980 paid 2004: $60,793 paid 2006: $1,696 paid 2007: $101,231 paid 2008: $35,789 paid 2010: $7,648 paid 2011: $108,022 paid 2012: $1,276,521 paid 2013: $24,187 paid 2014: $566,142 paid 2015: $240,311 paid 2017: $133,144 paid 2019: $0 paid 2020: $76,674 paid 2021: $128,656 paid 2022: $0 paid 2023: $500,221 paid 2024: $3,252 paid 2025: $24,629 paid 2026: $0 paid 2012 · $1.3M 1978 2026
$3.8M
total paid
$14,605
average claim
$595K
largest single claim
61%
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 Ontario, NY and where it ranks among U.S. counties. It is not a verdict on whether Ontario 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.