Property Atlas

County hazard profile

Franklin, PA

Pennsylvania · pop. 155,896 · FIPS 42055

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$38M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Franklin $38M

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 76.4/100
national median ~50 higher than 76% of counties
Social vulnerabilityRelatively Low 32.44/100
national median ~50 lower than most counties (32nd percentile)
Community resilienceRelatively High 63.45/100
national median ~50 near the national middle (63rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Franklin

The National Flood Insurance Program has paid 188 flood-insurance claims totaling $1.1M in Franklin since 1979. The costliest year was 2006 ($554K paid).

Flood-insurance dollars paid by year of loss

1979: $12,519 paid 1981: $4,231 paid 1982: $1,218 paid 1983: $3,625 paid 1984: $41,310 paid 1985: $6,070 paid 1989: $797 paid 1990: $0 paid 1993: $13,605 paid 1994: $2,898 paid 1995: $5,233 paid 1996: $164,005 paid 2003: $2,651 paid 2004: $42,079 paid 2005: $0 paid 2006: $553,795 paid 2008: $0 paid 2010: $22,187 paid 2011: $17,620 paid 2012: $20,546 paid 2014: $48,893 paid 2015: $3,254 paid 2017: $0 paid 2018: $75,725 paid 2019: $0 paid 2020: $6,196 paid 2021: $14,006 paid 2022: $6,568 paid 2025: $8,579 paid 2006 · $554K 1979 2025
$1.1M
total paid
$5,732
average claim
$60K
largest single claim
51%
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 Franklin, PA and where it ranks among U.S. counties. It is not a verdict on whether Franklin 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.