Property Atlas

County hazard profile

Oswego, NY

New York · pop. 117,511 · FIPS 36075

Relatively Low
FEMA risk rating · RATING
Winter Weather
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 Oswego $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 67.56/100
national median ~50 near the national middle (68th percentile)
Social vulnerabilityRelatively Moderate 40.49/100
national median ~50 near the national middle (40th percentile)
Community resilienceVery High 87.56/100
national median ~50 higher than 88% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Oswego

The National Flood Insurance Program has paid 221 flood-insurance claims totaling $2.5M in Oswego since 1978. The costliest year was 2011 ($589K paid).

Flood-insurance dollars paid by year of loss

1978: $3,565 paid 1979: $41,013 paid 1980: $1,495 paid 1981: $0 paid 1983: $8,019 paid 1984: $206 paid 1985: $0 paid 1986: $1,011 paid 1988: $0 paid 1989: $0 paid 1990: $0 paid 1991: $19,009 paid 1992: $286,796 paid 1993: $109,695 paid 1994: $134,735 paid 1995: $0 paid 1996: $32,191 paid 1998: $11,186 paid 1999: $36,350 paid 2000: $42,701 paid 2001: $30,161 paid 2002: $8,031 paid 2003: $0 paid 2005: $31,770 paid 2006: $278,440 paid 2007: $27,809 paid 2009: $13,931 paid 2011: $588,529 paid 2012: $0 paid 2013: $0 paid 2014: $8,328 paid 2015: $4,297 paid 2016: $73,394 paid 2017: $204,772 paid 2018: $67,013 paid 2019: $318,409 paid 2020: $0 paid 2023: $83,765 paid 2024: $26,118 paid 2011 · $589K 1978 2024
$2.5M
total paid
$11,279
average claim
$284K
largest single claim
58%
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 Oswego, NY and where it ranks among U.S. counties. It is not a verdict on whether Oswego 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.