Property Atlas

County hazard profile

Dauphin, PA

Pennsylvania · pop. 286,115 · FIPS 42043

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$100M
modeled expected annual loss/yr

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

lower than most counties (31st percentile)

national median $15M/yr Dauphin $100M

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 91.06/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 37.85/100
national median ~50 lower than most counties (38th percentile)
Community resilienceVery High 96.63/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Dauphin

The National Flood Insurance Program has paid 5,245 flood-insurance claims totaling $86.1M in Dauphin since 1978. The costliest year was 2011 ($51.9M paid).

Flood-insurance dollars paid by year of loss

1978: $50,590 paid 1979: $415,156 paid 1981: $79,117 paid 1982: $28,702 paid 1983: $11,541 paid 1984: $116,061 paid 1985: $885 paid 1986: $17,140 paid 1987: $60,818 paid 1989: $108,869 paid 1990: $0 paid 1991: $9,551 paid 1992: $0 paid 1993: $189,975 paid 1994: $99,903 paid 1995: $7,799 paid 1996: $12,230,440 paid 1997: $2,763 paid 1998: $77,053 paid 1999: $312,026 paid 2000: $504 paid 2002: $0 paid 2003: $35,027 paid 2004: $14,519,214 paid 2005: $38,806 paid 2006: $2,107,692 paid 2007: $25,952 paid 2008: $292,686 paid 2009: $14,482 paid 2010: $191,095 paid 2011: $51,864,212 paid 2012: $17,924 paid 2013: $136,452 paid 2014: $9,083 paid 2015: $0 paid 2016: $11,091 paid 2017: $342,115 paid 2018: $2,219,575 paid 2019: $74,017 paid 2020: $13,564 paid 2021: $330,724 paid 2022: $12,762 paid 2024: $13,842 paid 2025: $0 paid 2011 · $51.9M 1978 2025
$86.1M
total paid
$16,414
average claim
$624K
largest single claim
77%
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 Dauphin, PA and where it ranks among U.S. counties. It is not a verdict on whether Dauphin 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.