Property Atlas

County hazard profile

Suffolk, NY

New York · pop. 1,524,969 · FIPS 36103

Relatively High
FEMA risk rating · RATING
Winter Weather
dominant hazard
$321M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Suffolk $321M

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 High 97.33/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 21.63/100
national median ~50 among the lowest nationally
Community resilienceVery High 94.05/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Suffolk

The National Flood Insurance Program has paid 33,916 flood-insurance claims totaling $1.11B in Suffolk since 1978. The costliest year was 2012 ($866.1M paid).

Flood-insurance dollars paid by year of loss

1978: $998,122 paid 1979: $924,375 paid 1980: $786,255 paid 1981: $146,324 paid 1982: $562,993 paid 1983: $838,917 paid 1984: $2,214,412 paid 1985: $5,220,573 paid 1986: $180,864 paid 1987: $966,364 paid 1988: $25,176 paid 1989: $367,148 paid 1990: $465,513 paid 1991: $24,383,935 paid 1992: $45,503,578 paid 1993: $15,676,509 paid 1994: $3,462,552 paid 1995: $3,626,025 paid 1996: $6,768,061 paid 1997: $445,924 paid 1998: $1,725,432 paid 1999: $88,862 paid 2000: $235,985 paid 2001: $154,296 paid 2002: $331,975 paid 2003: $578,642 paid 2004: $228,376 paid 2005: $19,361,485 paid 2006: $627,609 paid 2007: $3,861,435 paid 2008: $410,349 paid 2009: $938,011 paid 2010: $7,019,858 paid 2011: $47,167,878 paid 2012: $866,108,171 paid 2013: $396,009 paid 2014: $6,969,223 paid 2015: $125,834 paid 2016: $103,883 paid 2017: $2,708,607 paid 2018: $2,304,681 paid 2019: $1,220,316 paid 2020: $429,249 paid 2021: $2,649,919 paid 2022: $1,302,139 paid 2023: $8,724,940 paid 2024: $24,111,799 paid 2025: $619,496 paid 2026: $0 paid 2012 · $866.1M 1978 2026
$1.11B
total paid
$32,848
average claim
$1.0M
largest single claim
75%
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 Suffolk, NY and where it ranks among U.S. counties. It is not a verdict on whether Suffolk 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.