Property Atlas

County hazard profile

Florence, SC

South Carolina · pop. 136,859 · FIPS 45041

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$65M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Florence $65M

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 89.57/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 70.77/100
national median ~50 near the national middle (71st percentile)
Community resilienceRelatively High 75.6/100
national median ~50 higher than 76% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Florence

The National Flood Insurance Program has paid 399 flood-insurance claims totaling $7.0M in Florence since 1978. The costliest year was 2016 ($2.7M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $2,737 paid 1980: $515 paid 1981: $0 paid 1983: $472 paid 1984: $2,101 paid 1985: $12,907 paid 1986: $1,452 paid 1987: $21,986 paid 1989: $90,593 paid 1990: $47,374 paid 1991: $1,221 paid 1992: $1,704 paid 1993: $5,497 paid 1994: $239,293 paid 1995: $3,567 paid 1996: $48,754 paid 1997: $390 paid 1998: $40,425 paid 1999: $158 paid 2003: $0 paid 2004: $168,513 paid 2008: $2,834 paid 2009: $4,639 paid 2010: $8,482 paid 2012: $3,288 paid 2013: $11,042 paid 2014: $713 paid 2015: $1,922,827 paid 2016: $2,743,430 paid 2017: $2,417 paid 2018: $416,591 paid 2020: $71,215 paid 2021: $158,792 paid 2023: $876,835 paid 2024: $104,221 paid 2016 · $2.7M 1978 2024
$7.0M
total paid
$17,586
average claim
$429K
largest single claim
53%
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 Florence, SC and where it ranks among U.S. counties. It is not a verdict on whether Florence 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.