Property Atlas

County hazard profile

Steuben, NY

New York · pop. 93,544 · FIPS 36101

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$33M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Steuben $33M

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 76.88/100
national median ~50 higher than 77% of counties
Social vulnerabilityRelatively Moderate 54.93/100
national median ~50 near the national middle (55th percentile)
Community resilienceRelatively High 70.55/100
national median ~50 near the national middle (71st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Steuben

The National Flood Insurance Program has paid 375 flood-insurance claims totaling $2.1M in Steuben since 1978. The costliest year was 1996 ($773K paid).

Flood-insurance dollars paid by year of loss

1978: $30,443 paid 1979: $13,897 paid 1980: $420 paid 1981: $5,440 paid 1982: $10,008 paid 1983: $0 paid 1984: $19,804 paid 1986: $952 paid 1987: $7,792 paid 1989: $4,732 paid 1990: $13,778 paid 1992: $199 paid 1993: $30,109 paid 1994: $2,393 paid 1995: $31,580 paid 1996: $773,466 paid 1997: $0 paid 1998: $12,019 paid 1999: $0 paid 2000: $9,801 paid 2001: $0 paid 2002: $891 paid 2003: $167,897 paid 2004: $97,275 paid 2005: $11,923 paid 2006: $0 paid 2007: $5,637 paid 2008: $562 paid 2010: $0 paid 2011: $29,433 paid 2014: $24,237 paid 2015: $10,072 paid 2016: $2,539 paid 2017: $8,127 paid 2018: $61,328 paid 2019: $12,589 paid 2020: $0 paid 2021: $248,411 paid 2024: $385,268 paid 2025: $54,797 paid 2026: $19,985 paid 1996 · $773K 1978 2026
$2.1M
total paid
$5,621
average claim
$94K
largest single claim
49%
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 Steuben, NY and where it ranks among U.S. counties. It is not a verdict on whether Steuben 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.