Property Atlas

County hazard profile

Northampton, PA

Pennsylvania · pop. 312,822 · FIPS 42095

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$90M
modeled expected annual loss/yr

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

lower than most counties (28th percentile)

national median $15M/yr Northampton $90M

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 90.01/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 30.57/100
national median ~50 lower than most counties (31st percentile)
Community resilienceRelatively High 73.73/100
national median ~50 near the national middle (74th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Northampton

The National Flood Insurance Program has paid 1,560 flood-insurance claims totaling $48.4M in Northampton since 1978. The costliest year was 2006 ($15.3M paid).

Flood-insurance dollars paid by year of loss

1978: $42,489 paid 1979: $214,176 paid 1980: $1,993 paid 1981: $5,095 paid 1982: $81,458 paid 1983: $15,561 paid 1984: $16,570 paid 1985: $42,607 paid 1986: $65,798 paid 1987: $94,754 paid 1989: $0 paid 1990: $0 paid 1993: $9,890 paid 1994: $18,799 paid 1995: $0 paid 1996: $1,221,029 paid 1997: $3,973 paid 1998: $523 paid 1999: $286,992 paid 2000: $165,403 paid 2001: $0 paid 2002: $0 paid 2003: $3,869 paid 2004: $10,797,102 paid 2005: $14,393,693 paid 2006: $15,349,979 paid 2007: $37,223 paid 2008: $0 paid 2009: $0 paid 2010: $209,307 paid 2011: $2,008,662 paid 2012: $8,102 paid 2013: $57,668 paid 2014: $33,980 paid 2015: $102,865 paid 2016: $4,719 paid 2017: $42,593 paid 2018: $118,415 paid 2020: $1,385,121 paid 2021: $411,797 paid 2023: $1,133,015 paid 2024: $2,188 paid 2025: $0 paid 2006 · $15.3M 1978 2025
$48.4M
total paid
$31,018
average claim
$740K
largest single claim
70%
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 Northampton, PA and where it ranks among U.S. counties. It is not a verdict on whether Northampton 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.