Property Atlas

County hazard profile

Richmond, NY

New York · pop. 495,666 · FIPS 36085

Relatively Moderate
FEMA risk rating · RATING
Heat Wave
dominant hazard
$82M
modeled expected annual loss/yr

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

lower than most counties (25th percentile)

national median $15M/yr Richmond $82M

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 91/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 61.58/100
national median ~50 near the national middle (62nd percentile)
Community resilienceRelatively High 68.13/100
national median ~50 near the national middle (68th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Richmond

The National Flood Insurance Program has paid 19,419 flood-insurance claims totaling $282.1M in Richmond since 1978. The costliest year was 2012 ($237.7M paid).

Flood-insurance dollars paid by year of loss

1978: $5,478,287 paid 1979: $10,540,827 paid 1980: $6,000,177 paid 1981: $1,214,073 paid 1982: $530,958 paid 1983: $906,118 paid 1984: $267,031 paid 1985: $39,486 paid 1986: $10,909 paid 1987: $12,082 paid 1988: $292,671 paid 1989: $31,436 paid 1990: $8,809 paid 1991: $115,798 paid 1992: $2,419,274 paid 1993: $92,056 paid 1994: $84,937 paid 1995: $19,537 paid 1996: $680,489 paid 1997: $79,741 paid 1998: $42,312 paid 1999: $83,551 paid 2000: $6,833 paid 2001: $23,046 paid 2002: $54,783 paid 2003: $35,473 paid 2004: $101,572 paid 2005: $38,431 paid 2006: $107,927 paid 2007: $1,011,275 paid 2008: $55,150 paid 2009: $15,469 paid 2010: $1,447,398 paid 2011: $5,659,310 paid 2012: $237,650,807 paid 2013: $33,452 paid 2014: $136,931 paid 2015: $54,053 paid 2016: $0 paid 2017: $174,861 paid 2018: $90,527 paid 2019: $68,017 paid 2020: $0 paid 2021: $6,046,743 paid 2022: $88,293 paid 2023: $116,688 paid 2024: $0 paid 2025: $148,493 paid 2026: $0 paid 2012 · $237.7M 1978 2026
$282.1M
total paid
$14,528
average claim
$2.3M
largest single claim
29%
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 Richmond, NY and where it ranks among U.S. counties. It is not a verdict on whether Richmond 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.