Property Atlas

County hazard profile

Lawrence, OH

Ohio · pop. 58,183 · FIPS 39087

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$27M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lawrence $27M

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 70.99/100
national median ~50 near the national middle (71st percentile)
Social vulnerabilityRelatively Moderate 47.17/100
national median ~50 near the national middle (47th percentile)
Community resilienceRelatively Low 25.67/100
national median ~50 lower than most counties (26th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lawrence

The National Flood Insurance Program has paid 467 flood-insurance claims totaling $4.7M in Lawrence since 1978. The costliest year was 1997 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1978: $91,914 paid 1979: $19,909 paid 1980: $1,018 paid 1982: $2,637 paid 1989: $873 paid 1990: $22,662 paid 1991: $21,676 paid 1994: $0 paid 1996: $158,505 paid 1997: $1,663,997 paid 1998: $12,874 paid 1999: $0 paid 2000: $64,746 paid 2001: $13,516 paid 2002: $524,919 paid 2003: $69,077 paid 2004: $224,118 paid 2005: $34,702 paid 2006: $2,474 paid 2007: $4,207 paid 2008: $54,560 paid 2009: $30,971 paid 2010: $444,378 paid 2011: $706,605 paid 2012: $3,527 paid 2014: $46,334 paid 2015: $70,285 paid 2016: $71,833 paid 2017: $30,323 paid 2018: $65,298 paid 2019: $14,373 paid 2020: $19,968 paid 2021: $88,947 paid 2023: $0 paid 2025: $80,555 paid 1997 · $1.7M 1978 2025
$4.7M
total paid
$9,982
average claim
$204K
largest single claim
51%
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 Lawrence, OH and where it ranks among U.S. counties. It is not a verdict on whether Lawrence 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.