Property Atlas

County hazard profile

Schenectady, NY

New York · pop. 158,055 · FIPS 36093

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 Schenectady $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 71.28/100
national median ~50 near the national middle (71st percentile)
Social vulnerabilityRelatively Low 29.42/100
national median ~50 lower than most counties (29th percentile)
Community resilienceVery High 88.01/100
national median ~50 higher than 88% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Schenectady

The National Flood Insurance Program has paid 355 flood-insurance claims totaling $8.3M in Schenectady since 1978. The costliest year was 2011 ($6.1M paid).

Flood-insurance dollars paid by year of loss

1978: $1,347 paid 1979: $18,043 paid 1980: $7,671 paid 1981: $1,419 paid 1983: $0 paid 1984: $7,272 paid 1986: $10,331 paid 1987: $3,616 paid 1993: $0 paid 1996: $572,566 paid 1998: $9,901 paid 1999: $18,584 paid 2000: $0 paid 2003: $6,130 paid 2004: $67,790 paid 2005: $320,616 paid 2006: $217,858 paid 2007: $166,460 paid 2008: $50,177 paid 2010: $56,087 paid 2011: $6,124,000 paid 2012: $0 paid 2013: $5,773 paid 2014: $9,861 paid 2016: $0 paid 2018: $339,705 paid 2019: $9,602 paid 2021: $0 paid 2025: $14,907 paid 2026: $214,622 paid 2011 · $6.1M 1978 2026
$8.3M
total paid
$23,252
average claim
$336K
largest single claim
56%
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 Schenectady, NY and where it ranks among U.S. counties. It is not a verdict on whether Schenectady 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.