Property Atlas

County hazard profile

Monroe, PA

Pennsylvania · pop. 168,181 · FIPS 42089

Relatively Moderate
FEMA risk rating · RATING
Lightning
dominant hazard
$57M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Monroe $57M

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 85.08/100
national median ~50 higher than 85% of counties
Social vulnerabilityRelatively Low 34.54/100
national median ~50 lower than most counties (35th percentile)
Community resilienceRelatively Low 21.41/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Monroe

The National Flood Insurance Program has paid 436 flood-insurance claims totaling $14.8M in Monroe since 1978. The costliest year was 2006 ($3.9M paid).

Flood-insurance dollars paid by year of loss

1978: $29,372 paid 1979: $1,024 paid 1983: $0 paid 1984: $43,998 paid 1985: $3,046 paid 1986: $4,274 paid 1988: $0 paid 1992: $950 paid 1994: $618 paid 1995: $2,696 paid 1996: $646,157 paid 1997: $1,203 paid 1998: $480 paid 1999: $0 paid 2000: $2,100 paid 2002: $35,874 paid 2003: $39,748 paid 2004: $3,849,786 paid 2005: $2,989,556 paid 2006: $3,895,018 paid 2007: $0 paid 2008: $10,403 paid 2009: $2,479 paid 2010: $14,316 paid 2011: $475,130 paid 2012: $25,864 paid 2013: $40,387 paid 2014: $0 paid 2015: $0 paid 2016: $2,420 paid 2017: $2,049 paid 2018: $0 paid 2019: $8,835 paid 2020: $1,020,564 paid 2021: $1,510,731 paid 2023: $74,494 paid 2024: $26,790 paid 2006 · $3.9M 1978 2024
$14.8M
total paid
$33,854
average claim
$1.0M
largest single claim
61%
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 Monroe, PA and where it ranks among U.S. counties. It is not a verdict on whether Monroe 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.