Property Atlas

County hazard profile

Athens, OH

Ohio · pop. 62,393 · FIPS 39009

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$25M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Athens $25M

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 68.73/100
national median ~50 near the national middle (69th percentile)
Social vulnerabilityRelatively Moderate 50.54/100
national median ~50 near the national middle (51st percentile)
Community resilienceRelatively Moderate 54.36/100
national median ~50 near the national middle (54th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Athens

The National Flood Insurance Program has paid 416 flood-insurance claims totaling $5.3M in Athens since 1978. The costliest year was 2004 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $13,698 paid 1981: $3,041 paid 1983: $100 paid 1985: $0 paid 1989: $1,719 paid 1990: $40,823 paid 1994: $10,869 paid 1995: $1,356 paid 1996: $16,306 paid 1997: $407,228 paid 1998: $1,093,925 paid 2000: $26,826 paid 2001: $1,013 paid 2002: $7,487 paid 2003: $5,282 paid 2004: $1,743,281 paid 2005: $677,239 paid 2006: $612 paid 2008: $110,696 paid 2009: $5,016 paid 2010: $3,958 paid 2011: $37,431 paid 2012: $99,437 paid 2013: $23,353 paid 2014: $10,800 paid 2015: $23,633 paid 2017: $101,745 paid 2018: $166,636 paid 2020: $253,051 paid 2021: $93,343 paid 2022: $48,836 paid 2023: $26,600 paid 2024: $158,678 paid 2025: $110,578 paid 2004 · $1.7M 1978 2025
$5.3M
total paid
$12,800
average claim
$207K
largest single claim
62%
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 Athens, OH and where it ranks among U.S. counties. It is not a verdict on whether Athens 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.