Property Atlas

County hazard profile

Saratoga, NY

New York · pop. 235,391 · FIPS 36091

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$53M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Saratoga $53M

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 73.03/100
national median ~50 near the national middle (73rd percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 93.03/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Saratoga

The National Flood Insurance Program has paid 580 flood-insurance claims totaling $8.1M in Saratoga since 1978. The costliest year was 2011 ($5.0M paid).

Flood-insurance dollars paid by year of loss

1978: $378 paid 1979: $44,592 paid 1980: $34,005 paid 1981: $200 paid 1982: $5,562 paid 1983: $8,897 paid 1984: $9,340 paid 1986: $42,928 paid 1987: $5,241 paid 1989: $0 paid 1993: $80,526 paid 1994: $0 paid 1995: $0 paid 1996: $1,662,140 paid 1997: $20,887 paid 1998: $350,036 paid 1999: $18,382 paid 2000: $220,975 paid 2001: $0 paid 2002: $0 paid 2003: $34,695 paid 2004: $40,821 paid 2005: $148,753 paid 2006: $79,269 paid 2007: $101,415 paid 2008: $30,393 paid 2009: $12,680 paid 2010: $11,148 paid 2011: $4,983,673 paid 2012: $0 paid 2013: $28,701 paid 2014: $26,129 paid 2015: $0 paid 2016: $20,788 paid 2017: $5,274 paid 2018: $0 paid 2019: $5,305 paid 2020: $49,012 paid 2022: $3,727 paid 2023: $21,369 paid 2024: $22,537 paid 2011 · $5.0M 1978 2024
$8.1M
total paid
$14,017
average claim
$555K
largest single claim
73%
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 Saratoga, NY and where it ranks among U.S. counties. It is not a verdict on whether Saratoga 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.