Property Atlas

County hazard profile

Adams, PA

Pennsylvania · pop. 103,797 · FIPS 42001

Relatively Low
FEMA risk rating · RATING
Drought
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 Adams $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 67.53/100
national median ~50 near the national middle (68th percentile)
Social vulnerabilityRelatively Low 36.2/100
national median ~50 lower than most counties (36th percentile)
Community resilienceRelatively High 66.63/100
national median ~50 near the national middle (67th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Adams

The National Flood Insurance Program has paid 399 flood-insurance claims totaling $6.7M in Adams since 1978. The costliest year was 2011 ($3.1M paid).

Flood-insurance dollars paid by year of loss

1978: $8,877 paid 1979: $6,962 paid 1980: $0 paid 1981: $210 paid 1982: $0 paid 1983: $210 paid 1984: $0 paid 1985: $19,447 paid 1987: $0 paid 1989: $1,332 paid 1990: $3,548 paid 1992: $779 paid 1993: $63,465 paid 1995: $22,397 paid 1996: $1,982,832 paid 1998: $2,506 paid 2000: $5,213 paid 2002: $0 paid 2003: $4,128 paid 2004: $117,807 paid 2005: $0 paid 2006: $51,653 paid 2008: $0 paid 2009: $0 paid 2010: $3,268 paid 2011: $3,091,899 paid 2012: $267,245 paid 2013: $250,360 paid 2014: $2,912 paid 2015: $62,772 paid 2018: $8,292 paid 2019: $100,000 paid 2020: $0 paid 2021: $487,763 paid 2022: $4,532 paid 2024: $126,337 paid 2011 · $3.1M 1978 2024
$6.7M
total paid
$16,784
average claim
$354K
largest single claim
69%
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 Adams, PA and where it ranks among U.S. counties. It is not a verdict on whether Adams 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.