Property Atlas

County hazard profile

Champaign, OH

Ohio · pop. 38,673 · FIPS 39021

Very Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$11M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Champaign $11M

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 26.75/100
national median ~50 lower than most counties (27th percentile)
Social vulnerabilityVery Low 19.82/100
national median ~50 among the lowest nationally
Community resilienceVery High 82.38/100
national median ~50 higher than 82% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Champaign

The National Flood Insurance Program has paid 38 flood-insurance claims totaling $252K in Champaign since 1979. The costliest year was 1995 ($58K paid).

Flood-insurance dollars paid by year of loss

1979: $390 paid 1980: $0 paid 1990: $299 paid 1993: $0 paid 1995: $58,294 paid 1999: $33,866 paid 2000: $20,066 paid 2004: $1,012 paid 2005: $3,201 paid 2007: $13,391 paid 2008: $51,449 paid 2009: $16,703 paid 2012: $12,311 paid 2013: $2,259 paid 2014: $0 paid 2015: $6,555 paid 2017: $12,955 paid 2018: $3,385 paid 2019: $690 paid 2020: $15,460 paid 2024: $0 paid 1995 · $58K 1979 2024
$252K
total paid
$6,639
average claim
$32K
largest single claim
34%
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 Champaign, OH and where it ranks among U.S. counties. It is not a verdict on whether Champaign 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.