Property Atlas

County hazard profile

Tioga, PA

Pennsylvania · pop. 41,034 · FIPS 42117

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$19M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Tioga $19M

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 59.76/100
national median ~50 near the national middle (60th percentile)
Social vulnerabilityRelatively Moderate 57.41/100
national median ~50 near the national middle (57th percentile)
Community resilienceRelatively High 65.27/100
national median ~50 near the national middle (65th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Tioga

The National Flood Insurance Program has paid 230 flood-insurance claims totaling $3.4M in Tioga since 1978. The costliest year was 2024 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1978: $2,643 paid 1979: $9,165 paid 1980: $0 paid 1981: $6,188 paid 1982: $3,548 paid 1984: $8,564 paid 1989: $0 paid 1993: $0 paid 1994: $114,495 paid 1996: $493,985 paid 1999: $8,932 paid 2003: $278 paid 2004: $194,518 paid 2006: $11,750 paid 2007: $32,472 paid 2008: $0 paid 2010: $107,036 paid 2011: $77,274 paid 2014: $313 paid 2018: $191,685 paid 2019: $3,720 paid 2020: $4,154 paid 2021: $406,414 paid 2024: $1,712,278 paid 2025: $0 paid 2024 · $1.7M 1978 2025
$3.4M
total paid
$14,737
average claim
$163K
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.

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What this is — and is not

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