Property Atlas

County hazard profile

Belmont, OH

Ohio · pop. 66,461 · FIPS 39013

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$29M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Belmont $29M

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 75.19/100
national median ~50 higher than 75% of counties
Social vulnerabilityRelatively High 61.13/100
national median ~50 near the national middle (61st percentile)
Community resilienceRelatively Moderate 53.75/100
national median ~50 near the national middle (54th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Belmont

The National Flood Insurance Program has paid 653 flood-insurance claims totaling $7.8M in Belmont since 1978. The costliest year was 2004 ($4.9M paid).

Flood-insurance dollars paid by year of loss

1978: $139,471 paid 1979: $20,558 paid 1980: $99,843 paid 1981: $43,910 paid 1984: $500 paid 1985: $4,333 paid 1987: $362 paid 1988: $0 paid 1989: $0 paid 1990: $129,623 paid 1991: $14,628 paid 1994: $2,787 paid 1995: $0 paid 1996: $347,342 paid 1997: $0 paid 1998: $21,829 paid 2002: $4,589 paid 2003: $0 paid 2004: $4,927,684 paid 2005: $238,930 paid 2006: $0 paid 2007: $4,250 paid 2009: $5,578 paid 2010: $28,060 paid 2011: $346,589 paid 2014: $252,783 paid 2015: $6,919 paid 2017: $3,515 paid 2018: $724,483 paid 2019: $114,347 paid 2022: $2,204 paid 2023: $0 paid 2024: $280,399 paid 2025: $8,476 paid 2004 · $4.9M 1978 2025
$7.8M
total paid
$11,905
average claim
$500K
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 Belmont, OH and where it ranks among U.S. counties. It is not a verdict on whether Belmont 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.