Property Atlas

County hazard profile

Guilford, NC

North Carolina · pop. 540,974 · FIPS 37081

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$135M
modeled expected annual loss/yr

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

near the national middle (42nd percentile)

national median $15M/yr Guilford $135M

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 Moderate 93.45/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 42.78/100
national median ~50 near the national middle (43rd percentile)
Community resilienceRelatively Moderate 56.42/100
national median ~50 near the national middle (56th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Guilford

The National Flood Insurance Program has paid 680 flood-insurance claims totaling $9.4M in Guilford since 1978. The costliest year was 2018 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1978: $64,225 paid 1979: $729,807 paid 1980: $61,434 paid 1981: $39,406 paid 1982: $94,113 paid 1983: $13,239 paid 1984: $63,711 paid 1985: $34,166 paid 1986: $19,433 paid 1987: $19,259 paid 1988: $0 paid 1989: $16,239 paid 1990: $64,152 paid 1991: $20,447 paid 1992: $39,629 paid 1993: $114,248 paid 1994: $20,912 paid 1995: $0 paid 1996: $541,854 paid 1997: $62,557 paid 1998: $57,923 paid 1999: $2,526 paid 2000: $1,380,340 paid 2001: $22,079 paid 2002: $1,249 paid 2003: $763,443 paid 2004: $256,975 paid 2005: $0 paid 2006: $29,112 paid 2008: $135,539 paid 2009: $55,750 paid 2010: $14,799 paid 2011: $40,872 paid 2012: $68,475 paid 2013: $187,518 paid 2014: $3,513 paid 2016: $101,577 paid 2017: $6,985 paid 2018: $1,654,501 paid 2019: $1,449,995 paid 2020: $52,737 paid 2021: $23,582 paid 2022: $96,883 paid 2023: $3,284 paid 2024: $659,754 paid 2025: $288,677 paid 2018 · $1.7M 1978 2025
$9.4M
total paid
$13,790
average claim
$233K
largest single claim
61%
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 Guilford, NC and where it ranks among U.S. counties. It is not a verdict on whether Guilford 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.