Property Atlas

County hazard profile

Somerset, PA

Pennsylvania · pop. 74,099 · FIPS 42111

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$22M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Somerset $22M

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 64.22/100
national median ~50 near the national middle (64th percentile)
Social vulnerabilityRelatively Moderate 51.81/100
national median ~50 near the national middle (52nd percentile)
Community resilienceVery High 81.62/100
national median ~50 higher than 82% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Somerset

The National Flood Insurance Program has paid 393 flood-insurance claims totaling $2.6M in Somerset since 1978. The costliest year was 1996 ($771K paid).

Flood-insurance dollars paid by year of loss

1978: $33,602 paid 1979: $16,462 paid 1980: $15,390 paid 1981: $8,960 paid 1982: $745 paid 1983: $90,628 paid 1984: $5,340 paid 1985: $9,966 paid 1987: $14,100 paid 1989: $0 paid 1992: $0 paid 1993: $20,787 paid 1994: $0 paid 1995: $0 paid 1996: $771,453 paid 1997: $17,335 paid 1998: $143 paid 1999: $6,708 paid 2000: $13,431 paid 2003: $24,213 paid 2004: $250,600 paid 2005: $51,655 paid 2006: $19,853 paid 2008: $20,791 paid 2009: $135,707 paid 2010: $88,327 paid 2011: $48,745 paid 2012: $18,421 paid 2014: $1,502 paid 2015: $92,480 paid 2017: $26,867 paid 2018: $425,302 paid 2019: $22,733 paid 2020: $17,762 paid 2024: $1,687 paid 2025: $296,488 paid 2026: $12,039 paid 1996 · $771K 1978 2026
$2.6M
total paid
$6,565
average claim
$132K
largest single claim
59%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Somerset, PA and where it ranks among U.S. counties. It is not a verdict on whether Somerset 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.