Property Atlas

County hazard profile

Guernsey, OH

Ohio · pop. 38,372 · FIPS 39059

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$9M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Guernsey $9M

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 37.5/100
national median ~50 lower than most counties (38th percentile)
Social vulnerabilityRelatively High 71.02/100
national median ~50 near the national middle (71st percentile)
Community resilienceRelatively High 62.79/100
national median ~50 near the national middle (63rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Guernsey

The National Flood Insurance Program has paid 372 flood-insurance claims totaling $8.4M in Guernsey since 1978. The costliest year was 1998 ($3.2M paid).

Flood-insurance dollars paid by year of loss

1978: $13,571 paid 1979: $283,459 paid 1980: $672,163 paid 1981: $29,351 paid 1985: $42,918 paid 1990: $56,108 paid 1994: $754,750 paid 1997: $2,487 paid 1998: $3,231,979 paid 2001: $0 paid 2004: $2,994,677 paid 2005: $65,320 paid 2007: $4,137 paid 2010: $59,802 paid 2011: $13,049 paid 2013: $35,000 paid 2015: $0 paid 2020: $15,421 paid 2021: $0 paid 2022: $51,101 paid 2024: $63,669 paid 1998 · $3.2M 1978 2024
$8.4M
total paid
$22,551
average claim
$500K
largest single claim
55%
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 Guernsey, OH and where it ranks among U.S. counties. It is not a verdict on whether Guernsey 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.