Property Atlas

County hazard profile

Tompkins, NY

New York · pop. 105,483 · FIPS 36109

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Tompkins $35M

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 73.85/100
national median ~50 near the national middle (74th percentile)
Social vulnerabilityRelatively Low 30.85/100
national median ~50 lower than most counties (31st percentile)
Community resilienceVery High 83.84/100
national median ~50 higher than 84% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Tompkins

The National Flood Insurance Program has paid 290 flood-insurance claims totaling $1.9M in Tompkins since 1978. The costliest year was 1996 ($878K paid).

Flood-insurance dollars paid by year of loss

1978: $10,539 paid 1979: $3,525 paid 1981: $205,258 paid 1982: $876 paid 1983: $1,075 paid 1984: $4,136 paid 1985: $0 paid 1986: $1,032 paid 1990: $7,092 paid 1993: $314,612 paid 1994: $66,995 paid 1996: $878,383 paid 1997: $0 paid 2001: $0 paid 2002: $11,045 paid 2003: $6,257 paid 2004: $8,143 paid 2005: $24,880 paid 2006: $41,594 paid 2007: $8,123 paid 2011: $83,960 paid 2013: $22,873 paid 2014: $30,363 paid 2015: $49,965 paid 2017: $17,990 paid 2018: $27,135 paid 2019: $23,657 paid 2020: $10,676 paid 2021: $24,606 paid 2024: $0 paid 2026: $0 paid 1996 · $878K 1978 2026
$1.9M
total paid
$6,499
average claim
$338K
largest single claim
37%
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 Tompkins, NY and where it ranks among U.S. counties. It is not a verdict on whether Tompkins 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.