Property Atlas

County hazard profile

Cumberland, PA

Pennsylvania · pop. 259,125 · FIPS 42041

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$69M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Cumberland $69M

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 86.2/100
national median ~50 higher than 86% of counties
Social vulnerabilityRelatively Low 23.63/100
national median ~50 among the lowest nationally
Community resilienceVery High 95.99/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cumberland

The National Flood Insurance Program has paid 1,599 flood-insurance claims totaling $16.9M in Cumberland since 1978. The costliest year was 2011 ($6.0M paid).

Flood-insurance dollars paid by year of loss

1978: $67,616 paid 1979: $406,449 paid 1980: $309 paid 1981: $6,737 paid 1982: $55,238 paid 1983: $62,138 paid 1984: $619,541 paid 1985: $13,007 paid 1986: $13,174 paid 1987: $11,485 paid 1988: $0 paid 1989: $2,630 paid 1990: $0 paid 1993: $96,090 paid 1994: $40,259 paid 1995: $5,074 paid 1996: $4,000,784 paid 1997: $0 paid 1998: $40,614 paid 1999: $16,022 paid 2000: $6,490 paid 2001: $9,719 paid 2003: $35,363 paid 2004: $3,996,793 paid 2005: $11,943 paid 2006: $354,315 paid 2007: $45,753 paid 2008: $7,723 paid 2009: $145,871 paid 2010: $29,304 paid 2011: $5,965,203 paid 2012: $20,021 paid 2013: $149,963 paid 2014: $92,208 paid 2015: $49,158 paid 2016: $0 paid 2017: $0 paid 2018: $157,678 paid 2019: $2,543 paid 2020: $69,835 paid 2021: $22,138 paid 2024: $240,131 paid 2025: $46,667 paid 2011 · $6.0M 1978 2025
$16.9M
total paid
$10,579
average claim
$697K
largest single claim
58%
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 Cumberland, PA and where it ranks among U.S. counties. It is not a verdict on whether Cumberland 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.