Property Atlas

County hazard profile

Richland, ND

North Dakota · pop. 16,521 · FIPS 38077

Very Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Richland $13M

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 35.31/100
national median ~50 lower than most counties (35th percentile)
Social vulnerabilityRelatively Low 25.89/100
national median ~50 lower than most counties (26th percentile)
Community resilienceRelatively High 68.45/100
national median ~50 near the national middle (68th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Richland

The National Flood Insurance Program has paid 223 flood-insurance claims totaling $2.3M in Richland since 1979. The costliest year was 1997 ($1.5M paid).

Flood-insurance dollars paid by year of loss

1979: $12,263 paid 1981: $4,963 paid 1984: $0 paid 1989: $99,238 paid 1997: $1,475,747 paid 1998: $2,669 paid 1999: $0 paid 2001: $7,956 paid 2006: $11,366 paid 2009: $493,663 paid 2010: $23,363 paid 2011: $121,954 paid 2013: $4,133 paid 2014: $27,505 paid 2016: $3,443 paid 2019: $4,878 paid 2022: $6,282 paid 1997 · $1.5M 1979 2022
$2.3M
total paid
$10,311
average claim
$200K
largest single claim
24%
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 Richland, ND and where it ranks among U.S. counties. It is not a verdict on whether Richland 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.