Property Atlas

County hazard profile

Westmoreland, PA

Pennsylvania · pop. 354,424 · FIPS 42129

Relatively Moderate
FEMA risk rating · RATING
Lightning
dominant hazard
$76M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Westmoreland $76M

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 87.85/100
national median ~50 higher than 88% of counties
Social vulnerabilityRelatively Low 30.22/100
national median ~50 lower than most counties (30th percentile)
Community resilienceVery High 92.84/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Westmoreland

The National Flood Insurance Program has paid 1,573 flood-insurance claims totaling $21.3M in Westmoreland since 1978. The costliest year was 2009 ($4.2M paid).

Flood-insurance dollars paid by year of loss

1978: $58,865 paid 1979: $101,813 paid 1980: $16,049 paid 1981: $263,259 paid 1982: $2,730 paid 1983: $15,540 paid 1984: $49,637 paid 1985: $314,177 paid 1986: $0 paid 1987: $33,375 paid 1988: $0 paid 1989: $11,561 paid 1990: $42,112 paid 1992: $45,663 paid 1993: $34,156 paid 1994: $21,620 paid 1995: $396 paid 1996: $2,136,821 paid 1997: $206,469 paid 1998: $1,773 paid 1999: $26,067 paid 2000: $100,589 paid 2001: $0 paid 2002: $41,675 paid 2003: $145,773 paid 2004: $3,001,319 paid 2005: $1,296,940 paid 2006: $257,245 paid 2007: $366,108 paid 2008: $55,684 paid 2009: $4,202,371 paid 2010: $22,710 paid 2011: $108,582 paid 2012: $398,948 paid 2013: $443,202 paid 2014: $51,372 paid 2015: $176,167 paid 2016: $276,224 paid 2017: $147,834 paid 2018: $3,985,951 paid 2019: $647,503 paid 2020: $76,378 paid 2021: $71,610 paid 2022: $609,175 paid 2023: $46,052 paid 2024: $336,784 paid 2025: $1,036,068 paid 2026: $14,873 paid 2009 · $4.2M 1978 2026
$21.3M
total paid
$13,541
average claim
$805K
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 Westmoreland, PA and where it ranks among U.S. counties. It is not a verdict on whether Westmoreland 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.