Property Atlas

County hazard profile

Yancey, NC

North Carolina · pop. 18,463 · FIPS 37199

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$9M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Yancey $9M

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 indexVery Low 42.24/100
national median ~50 near the national middle (42nd percentile)
Social vulnerabilityVery High 89.63/100
national median ~50 among the highest nationally
Community resilienceRelatively Moderate 41.13/100
national median ~50 near the national middle (41st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Yancey

The National Flood Insurance Program has paid 146 flood-insurance claims totaling $8.9M in Yancey since 1983. The costliest year was 2024 ($7.8M paid).

Flood-insurance dollars paid by year of loss

1983: $1,433 paid 1989: $1,010 paid 1990: $3,810 paid 1994: $43,248 paid 1995: $11,939 paid 1998: $40,624 paid 2003: $3,714 paid 2004: $601,979 paid 2005: $0 paid 2010: $0 paid 2011: $0 paid 2012: $0 paid 2013: $1,073 paid 2014: $11,843 paid 2018: $81,816 paid 2021: $307,485 paid 2022: $0 paid 2024: $7,831,105 paid 2024 · $7.8M 1983 2024
$8.9M
total paid
$61,240
average claim
$350K
largest single claim
72%
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 Yancey, NC and where it ranks among U.S. counties. It is not a verdict on whether Yancey 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.