Property Atlas

County hazard profile

Schoharie, NY

New York · pop. 29,687 · FIPS 36095

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Schoharie $13M

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 indexVery Low 41.35/100
national median ~50 near the national middle (41st percentile)
Social vulnerabilityRelatively Low 38.3/100
national median ~50 lower than most counties (38th percentile)
Community resilienceRelatively High 75.25/100
national median ~50 higher than 75% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Schoharie

The National Flood Insurance Program has paid 666 flood-insurance claims totaling $31.4M in Schoharie since 1978. The costliest year was 2011 ($27.5M paid).

Flood-insurance dollars paid by year of loss

1978: $11,865 paid 1979: $2,843 paid 1980: $185,694 paid 1981: $0 paid 1983: $4,612 paid 1984: $6,579 paid 1987: $432,613 paid 1990: $0 paid 1992: $63,819 paid 1993: $0 paid 1995: $6,193 paid 1996: $2,369,549 paid 1998: $2,952 paid 1999: $1,646 paid 2000: $7,773 paid 2002: $28,390 paid 2005: $527,811 paid 2006: $13,867 paid 2007: $33,168 paid 2008: $19,881 paid 2010: $7,614 paid 2011: $27,480,966 paid 2012: $147,630 paid 2013: $49,910 paid 2015: $0 paid 2021: $21,844 paid 2011 · $27.5M 1978 2021
$31.4M
total paid
$47,188
average claim
$880K
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.

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What this is — and is not

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