Property Atlas

County hazard profile

Delaware, PA

Pennsylvania · pop. 576,366 · FIPS 42045

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$135M
modeled expected annual loss/yr

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

near the national middle (42nd percentile)

national median $15M/yr Delaware $135M

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 92.91/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 32.98/100
national median ~50 lower than most counties (33rd percentile)
Community resilienceVery High 84.26/100
national median ~50 higher than 84% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Delaware

The National Flood Insurance Program has paid 3,033 flood-insurance claims totaling $57.2M in Delaware since 1978. The costliest year was 1999 ($11.7M paid).

Flood-insurance dollars paid by year of loss

1978: $77,654 paid 1979: $381,310 paid 1980: $162,500 paid 1981: $157,971 paid 1982: $2,414 paid 1983: $19,601 paid 1984: $128,680 paid 1985: $50,546 paid 1986: $0 paid 1987: $21,027 paid 1988: $13,387 paid 1989: $1,053,535 paid 1990: $67,587 paid 1991: $759,389 paid 1992: $32,352 paid 1993: $44,497 paid 1994: $627,603 paid 1995: $2,972 paid 1996: $323,893 paid 1997: $30,232 paid 1999: $11,682,507 paid 2000: $46,738 paid 2001: $186,457 paid 2002: $2,338 paid 2003: $1,076,588 paid 2004: $5,601,385 paid 2005: $75,667 paid 2006: $77,944 paid 2007: $86,479 paid 2008: $20,538 paid 2009: $189,955 paid 2010: $8,803,799 paid 2011: $6,211,063 paid 2012: $476,031 paid 2013: $146,175 paid 2014: $1,384,683 paid 2015: $11,083 paid 2016: $40,965 paid 2017: $35,496 paid 2018: $1,398,320 paid 2019: $924,044 paid 2020: $11,647,278 paid 2021: $2,854,238 paid 2023: $10,248 paid 2024: $221,502 paid 2025: $12,077 paid 2026: $398 paid 1999 · $11.7M 1978 2026
$57.2M
total paid
$18,853
average claim
$1.0M
largest single claim
66%
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 Delaware, PA and where it ranks among U.S. counties. It is not a verdict on whether Delaware 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.