Property Atlas

County hazard profile

Westchester, NY

New York · pop. 1,002,867 · FIPS 36119

Relatively High
FEMA risk rating · RATING
Strong Wind
dominant hazard
$210M
modeled expected annual loss/yr

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

near the national middle (65th percentile)

national median $15M/yr Westchester $210M

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 96.18/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 47.39/100
national median ~50 near the national middle (47th percentile)
Community resilienceRelatively High 77.07/100
national median ~50 higher than 77% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Westchester

The National Flood Insurance Program has paid 12,245 flood-insurance claims totaling $272.4M in Westchester since 1978. The costliest year was 2021 ($106.2M paid).

Flood-insurance dollars paid by year of loss

1978: $820,976 paid 1979: $4,998,879 paid 1980: $4,810,707 paid 1981: $259,656 paid 1982: $745,882 paid 1983: $465,920 paid 1984: $3,921,103 paid 1985: $69,798 paid 1986: $97,015 paid 1987: $310,200 paid 1988: $3,030 paid 1989: $372,984 paid 1990: $398,695 paid 1991: $188,150 paid 1992: $5,984,165 paid 1993: $46,737 paid 1994: $180,667 paid 1995: $48,614 paid 1996: $2,591,420 paid 1997: $11,792 paid 1998: $106,945 paid 1999: $5,977,578 paid 2000: $105,659 paid 2001: $309,238 paid 2002: $336,278 paid 2003: $35,650 paid 2004: $2,184,020 paid 2005: $927,167 paid 2006: $197,253 paid 2007: $40,998,171 paid 2008: $414,441 paid 2009: $181,983 paid 2010: $1,878,081 paid 2011: $34,739,101 paid 2012: $27,002,074 paid 2013: $201,933 paid 2014: $147,747 paid 2015: $69,160 paid 2016: $6,721 paid 2017: $52,104 paid 2018: $2,936,635 paid 2019: $143,105 paid 2020: $258,995 paid 2021: $106,249,046 paid 2022: $362,346 paid 2023: $17,901,427 paid 2024: $626,445 paid 2025: $1,768,708 paid 2026: $0 paid 2021 · $106.2M 1978 2026
$272.4M
total paid
$22,249
average claim
$1.0M
largest single claim
53%
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 Westchester, NY and where it ranks among U.S. counties. It is not a verdict on whether Westchester 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.