Property Atlas

County hazard profile

Lucas, OH

Ohio · pop. 431,225 · FIPS 39095

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$111M
modeled expected annual loss/yr

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

lower than most counties (34th percentile)

national median $15M/yr Lucas $111M

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 92.4/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 54.13/100
national median ~50 near the national middle (54th percentile)
Community resilienceVery High 95.74/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lucas

The National Flood Insurance Program has paid 1,194 flood-insurance claims totaling $7.5M in Lucas since 1978. The costliest year was 2006 ($2.4M paid).

Flood-insurance dollars paid by year of loss

1978: $35,508 paid 1979: $5,493 paid 1980: $215,462 paid 1981: $333,905 paid 1982: $525,013 paid 1983: $12,867 paid 1984: $4,690 paid 1985: $172,925 paid 1986: $19,103 paid 1987: $23,692 paid 1989: $108,172 paid 1990: $47,853 paid 1991: $13,051 paid 1992: $3,192 paid 1993: $16,791 paid 1994: $0 paid 1995: $1,179 paid 1996: $9,678 paid 1997: $37,209 paid 1998: $348,548 paid 1999: $0 paid 2000: $528,174 paid 2001: $0 paid 2002: $50,115 paid 2003: $773 paid 2004: $2,134 paid 2005: $71,649 paid 2006: $2,441,376 paid 2007: $33,140 paid 2008: $361,733 paid 2009: $407,593 paid 2010: $2,004 paid 2011: $332,271 paid 2013: $14,136 paid 2014: $166,284 paid 2015: $1,026,426 paid 2016: $3,544 paid 2017: $13,341 paid 2018: $121,400 paid 2019: $0 paid 2020: $7,563 paid 2021: $4,693 paid 2022: $0 paid 2023: $6,030 paid 2024: $0 paid 2025: $15,226 paid 2026: $0 paid 2006 · $2.4M 1978 2026
$7.5M
total paid
$6,318
average claim
$144K
largest single claim
63%
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 Lucas, OH and where it ranks among U.S. counties. It is not a verdict on whether Lucas 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.