Property Atlas

County hazard profile

Franklin, OH

Ohio · pop. 1,323,446 · FIPS 39049

Relatively High
FEMA risk rating · RATING
Cold Wave
dominant hazard
$331M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Franklin $331M

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 High 98.06/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 38.17/100
national median ~50 lower than most counties (38th percentile)
Community resilienceRelatively High 65.3/100
national median ~50 near the national middle (65th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Franklin

The National Flood Insurance Program has paid 1,337 flood-insurance claims totaling $7.9M in Franklin since 1978. The costliest year was 2020 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1978: $14,352 paid 1979: $696,922 paid 1980: $62,826 paid 1981: $240,655 paid 1982: $72,478 paid 1983: $166 paid 1984: $0 paid 1985: $16,552 paid 1986: $23,284 paid 1987: $815 paid 1988: $22,142 paid 1989: $99,899 paid 1990: $511,814 paid 1991: $0 paid 1992: $511,008 paid 1993: $106,492 paid 1994: $1,528 paid 1995: $532,051 paid 1996: $3,596 paid 1997: $164,373 paid 1998: $239,568 paid 1999: $0 paid 2000: $1,563 paid 2001: $12,834 paid 2002: $29,356 paid 2003: $239,606 paid 2004: $338,708 paid 2005: $608,569 paid 2006: $4,945 paid 2007: $986 paid 2008: $155,974 paid 2009: $590 paid 2010: $0 paid 2011: $57,538 paid 2012: $7,204 paid 2013: $66,852 paid 2014: $217,664 paid 2015: $157,534 paid 2016: $177,870 paid 2017: $151,558 paid 2018: $122,830 paid 2019: $20,825 paid 2020: $1,673,219 paid 2021: $233,075 paid 2022: $184,171 paid 2023: $28,218 paid 2024: $48,284 paid 2026: $5,508 paid 2020 · $1.7M 1978 2026
$7.9M
total paid
$5,883
average claim
$273K
largest single claim
45%
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 Franklin, OH and where it ranks among U.S. counties. It is not a verdict on whether Franklin 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.