Property Atlas

County hazard profile

Montour, PA

Pennsylvania · pop. 18,104 · FIPS 42093

Very Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$5M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Montour $5M

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 indexVery Low 14.66/100
national median ~50 among the lowest nationally
Social vulnerabilityRelatively Moderate 56.33/100
national median ~50 near the national middle (56th percentile)
Community resilienceVery High 99.75/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Montour

The National Flood Insurance Program has paid 154 flood-insurance claims totaling $3.2M in Montour since 1978. The costliest year was 2011 ($2.5M paid).

Flood-insurance dollars paid by year of loss

1978: $1,040 paid 1979: $25,449 paid 1981: $0 paid 1983: $16,507 paid 1984: $7,635 paid 1986: $0 paid 1993: $7,431 paid 1996: $204,106 paid 1998: $5,106 paid 1999: $10,193 paid 2001: $20,000 paid 2004: $50,058 paid 2005: $3,967 paid 2006: $187,754 paid 2008: $8,783 paid 2010: $1,271 paid 2011: $2,452,604 paid 2014: $0 paid 2018: $187,639 paid 2021: $2,032 paid 2024: $0 paid 2011 · $2.5M 1978 2024
$3.2M
total paid
$20,725
average claim
$1.0M
largest single claim
53%
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 Montour, PA and where it ranks among U.S. counties. It is not a verdict on whether Montour 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.