Property Atlas

County hazard profile

York, PA

Pennsylvania · pop. 456,310 · FIPS 42133

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$106M
modeled expected annual loss/yr

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

lower than most counties (33rd percentile)

national median $15M/yr York $106M

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 90.43/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 17.05/100
national median ~50 among the lowest nationally
Community resilienceVery High 83.46/100
national median ~50 higher than 83% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in York

The National Flood Insurance Program has paid 1,753 flood-insurance claims totaling $20.7M in York since 1978. The costliest year was 2011 ($7.7M paid).

Flood-insurance dollars paid by year of loss

1978: $860,107 paid 1979: $483,534 paid 1980: $2,549 paid 1982: $62,504 paid 1983: $11,587 paid 1984: $53,349 paid 1985: $63,825 paid 1986: $0 paid 1987: $12,569 paid 1988: $4,410 paid 1989: $0 paid 1990: $28,796 paid 1991: $0 paid 1992: $0 paid 1993: $114,474 paid 1994: $13,382 paid 1995: $322,013 paid 1996: $3,293,094 paid 1997: $0 paid 1998: $28,338 paid 1999: $33,117 paid 2000: $0 paid 2001: $20,876 paid 2002: $1,542 paid 2003: $36,494 paid 2004: $1,776,586 paid 2005: $14,058 paid 2006: $95,420 paid 2007: $46,077 paid 2008: $33,499 paid 2009: $123,827 paid 2010: $41,274 paid 2011: $7,657,860 paid 2012: $423,654 paid 2013: $1,109,465 paid 2014: $26,003 paid 2015: $138,287 paid 2016: $9,759 paid 2017: $162,341 paid 2018: $1,317,738 paid 2019: $43,755 paid 2020: $191,740 paid 2021: $1,931,480 paid 2022: $0 paid 2024: $16,171 paid 2025: $105,279 paid 2011 · $7.7M 1978 2025
$20.7M
total paid
$11,815
average claim
$919K
largest single claim
51%
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 York, PA and where it ranks among U.S. counties. It is not a verdict on whether York 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.