Property Atlas

County hazard profile

Kershaw, SC

South Carolina · pop. 65,395 · FIPS 45055

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$23M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Kershaw $23M

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 66.67/100
national median ~50 near the national middle (67th percentile)
Social vulnerabilityRelatively Moderate 50.64/100
national median ~50 near the national middle (51st percentile)
Community resilienceRelatively Low 37.82/100
national median ~50 lower than most counties (38th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Kershaw

The National Flood Insurance Program has paid 122 flood-insurance claims totaling $973K in Kershaw since 1979. The costliest year was 2024 ($419K paid).

Flood-insurance dollars paid by year of loss

1979: $16,495 paid 1986: $1,015 paid 1987: $4,743 paid 1989: $42,690 paid 1990: $602 paid 1993: $15,198 paid 1997: $0 paid 1999: $1,217 paid 2003: $11,673 paid 2008: $0 paid 2012: $0 paid 2013: $4,637 paid 2015: $227,781 paid 2016: $20,136 paid 2018: $0 paid 2019: $0 paid 2020: $189,392 paid 2021: $17,570 paid 2023: $0 paid 2024: $419,438 paid 2024 · $419K 1979 2024
$973K
total paid
$7,972
average claim
$76K
largest single claim
81%
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 Kershaw, SC and where it ranks among U.S. counties. It is not a verdict on whether Kershaw 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.