Property Atlas

County hazard profile

Carbon, PA

Pennsylvania · pop. 64,728 · FIPS 42025

Relatively Low
FEMA risk rating · RATING
Lightning
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 Carbon $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 59.41/100
national median ~50 near the national middle (59th percentile)
Social vulnerabilityRelatively Low 35.02/100
national median ~50 lower than most counties (35th percentile)
Community resilienceRelatively High 61.16/100
national median ~50 near the national middle (61st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Carbon

The National Flood Insurance Program has paid 94 flood-insurance claims totaling $451K in Carbon since 1979. The costliest year was 1996 ($137K paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1983: $10,461 paid 1985: $0 paid 1987: $38,038 paid 1993: $1,587 paid 1994: $0 paid 1996: $137,324 paid 1998: $0 paid 2000: $1,156 paid 2002: $0 paid 2003: $0 paid 2004: $41,087 paid 2005: $11,013 paid 2006: $61,687 paid 2010: $0 paid 2011: $22,684 paid 2012: $49,119 paid 2013: $0 paid 2014: $0 paid 2016: $0 paid 2017: $0 paid 2018: $7,117 paid 2020: $5,217 paid 2021: $19,042 paid 2024: $35,481 paid 2025: $9,777 paid 1996 · $137K 1979 2025
$451K
total paid
$4,796
average claim
$35K
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Carbon, PA and where it ranks among U.S. counties. It is not a verdict on whether Carbon 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.