Property Atlas

County hazard profile

Richland, OH

Ohio · pop. 124,906 · FIPS 39139

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$22M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Richland $22M

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 61.32/100
national median ~50 near the national middle (61st percentile)
Social vulnerabilityRelatively Low 39.34/100
national median ~50 lower than most counties (39th percentile)
Community resilienceVery High 81.14/100
national median ~50 higher than 81% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Richland

The National Flood Insurance Program has paid 329 flood-insurance claims totaling $9.8M in Richland since 1978. The costliest year was 2007 ($5.8M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $13,494 paid 1981: $37,062 paid 1984: $0 paid 1987: $558,955 paid 1989: $2,062 paid 1990: $7,384 paid 1991: $0 paid 1994: $51,343 paid 1996: $2,074 paid 1998: $292,619 paid 1999: $2,083 paid 2002: $0 paid 2003: $7,336 paid 2004: $120,332 paid 2005: $48,392 paid 2006: $30,776 paid 2007: $5,816,559 paid 2010: $783 paid 2011: $2,257,774 paid 2013: $551,464 paid 2019: $32,944 paid 2007 · $5.8M 1978 2019
$9.8M
total paid
$29,889
average claim
$545K
largest single claim
64%
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 Richland, OH and where it ranks among U.S. counties. It is not a verdict on whether Richland 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.