Property Atlas

County hazard profile

Tioga, NY

New York · pop. 48,430 · FIPS 36107

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$20M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Tioga $20M

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 59.86/100
national median ~50 near the national middle (60th percentile)
Social vulnerabilityRelatively Moderate 48.09/100
national median ~50 near the national middle (48th percentile)
Community resilienceRelatively High 72.96/100
national median ~50 near the national middle (73rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Tioga

The National Flood Insurance Program has paid 1,558 flood-insurance claims totaling $61.3M in Tioga since 1978. The costliest year was 2011 ($46.7M paid).

Flood-insurance dollars paid by year of loss

1978: $153 paid 1979: $144,327 paid 1981: $5,465 paid 1982: $714 paid 1983: $157,883 paid 1984: $8,885 paid 1986: $9,942 paid 1987: $0 paid 1989: $0 paid 1990: $0 paid 1993: $94,338 paid 1994: $1,902 paid 1996: $477,409 paid 1998: $9,393 paid 1999: $4,627 paid 2000: $6,671 paid 2001: $15,995 paid 2002: $0 paid 2004: $247,649 paid 2005: $2,138,242 paid 2006: $10,372,086 paid 2007: $12,627 paid 2010: $27,300 paid 2011: $46,661,416 paid 2012: $0 paid 2013: $793 paid 2015: $48,484 paid 2017: $116,679 paid 2018: $566,286 paid 2019: $33,489 paid 2020: $23,968 paid 2021: $23,067 paid 2025: $73,557 paid 2011 · $46.7M 1978 2025
$61.3M
total paid
$39,335
average claim
$1.0M
largest single claim
79%
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 Tioga, NY and where it ranks among U.S. counties. It is not a verdict on whether Tioga 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.