Property Atlas

County hazard profile

Oconee, SC

South Carolina · pop. 78,560 · FIPS 45073

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$45M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Oconee $45M

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 85.62/100
national median ~50 higher than 86% of counties
Social vulnerabilityRelatively High 70.48/100
national median ~50 near the national middle (70th percentile)
Community resilienceRelatively Moderate 42.08/100
national median ~50 near the national middle (42nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Oconee

The National Flood Insurance Program has paid 24 flood-insurance claims totaling $179K in Oconee since 1989. The costliest year was 2020 ($48K paid).

Flood-insurance dollars paid by year of loss

1989: $1,164 paid 1994: $18,230 paid 1995: $46,791 paid 2002: $0 paid 2004: $4,063 paid 2009: $5,265 paid 2013: $5,131 paid 2016: $0 paid 2019: $18,711 paid 2020: $48,465 paid 2021: $26,325 paid 2024: $5,230 paid 2025: $0 paid 2020 · $48K 1989 2025
$179K
total paid
$7,474
average claim
$32K
largest single claim
42%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

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