Property Atlas

County hazard profile

Richland, SC

South Carolina · pop. 415,644 · FIPS 45079

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$138M
modeled expected annual loss/yr

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

near the national middle (43rd percentile)

national median $15M/yr Richland $138M

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 93.1/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 33.75/100
national median ~50 lower than most counties (34th percentile)
Community resilienceRelatively High 65.17/100
national median ~50 near the national middle (65th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Richland

The National Flood Insurance Program has paid 1,359 flood-insurance claims totaling $60.2M in Richland since 1978. The costliest year was 2015 ($56.1M paid).

Flood-insurance dollars paid by year of loss

1978: $1,456 paid 1979: $64,437 paid 1980: $0 paid 1981: $5,425 paid 1982: $3,396 paid 1983: $19,241 paid 1984: $5,545 paid 1985: $3,196 paid 1986: $118,281 paid 1987: $37,030 paid 1988: $10,027 paid 1989: $448,322 paid 1990: $54,613 paid 1991: $49,259 paid 1992: $23,834 paid 1993: $44,319 paid 1994: $6,377 paid 1995: $53,643 paid 1996: $7,838 paid 1997: $278,280 paid 1998: $27,658 paid 1999: $1,075 paid 2000: $112 paid 2001: $4,243 paid 2002: $3,228 paid 2003: $5,514 paid 2004: $119,894 paid 2005: $85,352 paid 2006: $37,982 paid 2008: $35,981 paid 2009: $77,440 paid 2010: $261,445 paid 2011: $736,562 paid 2012: $56,163 paid 2013: $380,189 paid 2014: $7,457 paid 2015: $56,092,224 paid 2016: $171,798 paid 2017: $73,803 paid 2018: $147,924 paid 2019: $16,212 paid 2020: $66,609 paid 2021: $13,973 paid 2022: $207,204 paid 2023: $7,980 paid 2024: $329,356 paid 2025: $45,903 paid 2026: $0 paid 2015 · $56.1M 1978 2026
$60.2M
total paid
$44,332
average claim
$500K
largest single claim
64%
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 Richland, SC and where it ranks among U.S. counties. It is not a verdict on whether Richland 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.