Property Atlas

County hazard profile

Lorain, OH

Ohio · pop. 312,902 · FIPS 39093

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$66M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lorain $66M

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 Moderate 86.26/100
national median ~50 higher than 86% of counties
Social vulnerabilityRelatively Low 30.09/100
national median ~50 lower than most counties (30th percentile)
Community resilienceVery High 95.9/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lorain

The National Flood Insurance Program has paid 538 flood-insurance claims totaling $7.1M in Lorain since 1978. The costliest year was 2014 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1978: $21,256 paid 1979: $12,259 paid 1980: $19,763 paid 1981: $4,527 paid 1982: $32,113 paid 1983: $10,234 paid 1984: $12,379 paid 1985: $104,104 paid 1986: $0 paid 1987: $847 paid 1989: $27,054 paid 1990: $2,966 paid 1992: $897 paid 1994: $114,823 paid 1995: $6,465 paid 1996: $28,145 paid 1997: $10,940 paid 1998: $7,876 paid 1999: $102 paid 2000: $1,562 paid 2001: $0 paid 2003: $6,045 paid 2004: $129,532 paid 2005: $212,374 paid 2006: $615,468 paid 2007: $107,264 paid 2008: $45,203 paid 2009: $75,558 paid 2010: $0 paid 2011: $980,844 paid 2012: $66,342 paid 2013: $167,568 paid 2014: $1,952,103 paid 2015: $10,285 paid 2017: $8,860 paid 2019: $122,378 paid 2020: $1,231,204 paid 2021: $88,821 paid 2022: $0 paid 2023: $813,826 paid 2024: $0 paid 2025: $38,526 paid 2026: $0 paid 2014 · $2.0M 1978 2026
$7.1M
total paid
$13,179
average claim
$603K
largest single claim
61%
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 Lorain, OH and where it ranks among U.S. counties. It is not a verdict on whether Lorain 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.