Property Atlas

County hazard profile

Otsego, NY

New York · pop. 58,494 · FIPS 36077

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$32M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Otsego $32M

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 75.83/100
national median ~50 higher than 76% of counties
Social vulnerabilityRelatively Moderate 56.77/100
national median ~50 near the national middle (57th percentile)
Community resilienceVery High 87.66/100
national median ~50 higher than 88% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Otsego

The National Flood Insurance Program has paid 463 flood-insurance claims totaling $9.0M in Otsego since 1978. The costliest year was 2006 ($6.1M paid).

Flood-insurance dollars paid by year of loss

1978: $3,040 paid 1979: $17,764 paid 1980: $96 paid 1981: $8,652 paid 1983: $471 paid 1986: $2,406 paid 1987: $0 paid 1993: $8,874 paid 1996: $12,486 paid 1998: $5,386 paid 1999: $3,247 paid 2000: $4,604 paid 2001: $0 paid 2003: $1,534 paid 2004: $10,622 paid 2005: $32,979 paid 2006: $6,126,657 paid 2007: $6,113 paid 2009: $4,371 paid 2010: $1,457 paid 2011: $2,546,513 paid 2012: $0 paid 2013: $92,585 paid 2014: $0 paid 2016: $0 paid 2017: $52,452 paid 2018: $0 paid 2021: $8,092 paid 2022: $0 paid 2023: $61,317 paid 2006 · $6.1M 1978 2023
$9.0M
total paid
$19,464
average claim
$646K
largest single claim
66%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Otsego, NY and where it ranks among U.S. counties. It is not a verdict on whether Otsego 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.