Property Atlas

County hazard profile

Jefferson, PA

Pennsylvania · pop. 44,472 · FIPS 42065

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$14M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Jefferson $14M

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 57.89/100
national median ~50 near the national middle (58th percentile)
Social vulnerabilityVery High 87.02/100
national median ~50 higher than 87% of counties
Community resilienceRelatively High 77.35/100
national median ~50 higher than 77% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Jefferson

The National Flood Insurance Program has paid 370 flood-insurance claims totaling $7.7M in Jefferson since 1978. The costliest year was 1996 ($5.5M paid).

Flood-insurance dollars paid by year of loss

1978: $10,148 paid 1979: $838 paid 1980: $8,757 paid 1981: $13,645 paid 1982: $701 paid 1983: $6,326 paid 1984: $0 paid 1985: $0 paid 1988: $0 paid 1989: $5,953 paid 1990: $0 paid 1996: $5,483,868 paid 1999: $0 paid 2004: $1,184,452 paid 2005: $1,666 paid 2006: $67,360 paid 2010: $1,549 paid 2012: $923 paid 2013: $863,952 paid 2014: $49,180 paid 2015: $4,618 paid 2017: $5,560 paid 2018: $0 paid 2024: $0 paid 1996 · $5.5M 1978 2024
$7.7M
total paid
$20,836
average claim
$500K
largest single claim
56%
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 Jefferson, PA and where it ranks among U.S. counties. It is not a verdict on whether Jefferson 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.