Property Atlas

County hazard profile

Lawrence, PA

Pennsylvania · pop. 86,035 · FIPS 42073

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$25M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lawrence $25M

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 66.13/100
national median ~50 near the national middle (66th percentile)
Social vulnerabilityRelatively Moderate 44.75/100
national median ~50 near the national middle (45th percentile)
Community resilienceRelatively High 72.07/100
national median ~50 near the national middle (72nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lawrence

The National Flood Insurance Program has paid 207 flood-insurance claims totaling $2.0M in Lawrence since 1978. The costliest year was 2004 ($856K paid).

Flood-insurance dollars paid by year of loss

1978: $2,500 paid 1979: $4,799 paid 1980: $1,331 paid 1981: $7,569 paid 1982: $2,856 paid 1983: $1,078 paid 1985: $1,808 paid 1986: $8,420 paid 1989: $6,490 paid 1990: $86,110 paid 1991: $0 paid 1992: $6,539 paid 1993: $164 paid 1994: $48,560 paid 1996: $99,476 paid 1997: $7,604 paid 1998: $531 paid 1999: $15,432 paid 2000: $2,188 paid 2003: $83,005 paid 2004: $856,370 paid 2005: $7,849 paid 2006: $121,162 paid 2007: $4,377 paid 2008: $12,520 paid 2009: $19,036 paid 2010: $41,201 paid 2011: $105,832 paid 2012: $0 paid 2013: $71,103 paid 2014: $6,286 paid 2015: $11,227 paid 2017: $23,325 paid 2018: $0 paid 2019: $28,172 paid 2022: $123,858 paid 2023: $78,559 paid 2024: $66,618 paid 2004 · $856K 1978 2024
$2.0M
total paid
$9,488
average claim
$122K
largest single claim
71%
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 Lawrence, PA and where it ranks among U.S. counties. It is not a verdict on whether Lawrence 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.