Property Atlas

County hazard profile

Hamilton, OH

Ohio · pop. 830,623 · FIPS 39061

Relatively High
FEMA risk rating · RATING
Tornado
dominant hazard
$221M
modeled expected annual loss/yr

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

near the national middle (68th percentile)

national median $15M/yr Hamilton $221M

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 96.34/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 43.92/100
national median ~50 near the national middle (44th percentile)
Community resilienceVery High 86.26/100
national median ~50 higher than 86% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hamilton

The National Flood Insurance Program has paid 1,914 flood-insurance claims totaling $33.5M in Hamilton since 1978. The costliest year was 1997 ($6.9M paid).

Flood-insurance dollars paid by year of loss

1978: $332,030 paid 1979: $580,631 paid 1980: $78,570 paid 1981: $55,428 paid 1982: $527,989 paid 1983: $32,771 paid 1984: $152,540 paid 1985: $275,378 paid 1986: $4,167 paid 1987: $8,114 paid 1988: $2,500 paid 1989: $13,995 paid 1990: $154,073 paid 1991: $101,887 paid 1992: $6,584 paid 1993: $213,000 paid 1994: $112,509 paid 1995: $54,356 paid 1996: $582,977 paid 1997: $6,880,150 paid 1998: $650,865 paid 2000: $275,916 paid 2001: $2,239,396 paid 2002: $9,715 paid 2003: $1,780,158 paid 2004: $265,944 paid 2005: $498,302 paid 2006: $1,180 paid 2007: $0 paid 2008: $982,310 paid 2009: $1,384 paid 2010: $359,387 paid 2011: $805,263 paid 2012: $1,115,998 paid 2013: $250,494 paid 2014: $6,976 paid 2015: $1,426,640 paid 2016: $74,145 paid 2017: $418,271 paid 2018: $4,321,643 paid 2019: $798,737 paid 2020: $755,836 paid 2021: $932,003 paid 2022: $94,791 paid 2023: $7,690 paid 2024: $384,527 paid 2025: $4,892,350 paid 2026: $0 paid 1997 · $6.9M 1978 2026
$33.5M
total paid
$17,513
average claim
$1.0M
largest single claim
57%
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 Hamilton, OH and where it ranks among U.S. counties. It is not a verdict on whether Hamilton 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.