Property Atlas

County hazard profile

Spartanburg, SC

South Carolina · pop. 327,446 · FIPS 45083

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$89M
modeled expected annual loss/yr

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

lower than most counties (28th percentile)

national median $15M/yr Spartanburg $89M

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 90.65/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 39.66/100
national median ~50 near the national middle (40th percentile)
Community resilienceRelatively Moderate 57.89/100
national median ~50 near the national middle (58th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Spartanburg

The National Flood Insurance Program has paid 157 flood-insurance claims totaling $2.6M in Spartanburg since 1978. The costliest year was 2024 ($1.3M paid).

Flood-insurance dollars paid by year of loss

1978: $340 paid 1979: $2,699 paid 1980: $35,535 paid 1983: $0 paid 1984: $4,203 paid 1989: $20,164 paid 1990: $64,396 paid 1994: $959 paid 1995: $14,442 paid 1996: $0 paid 1998: $279,146 paid 1999: $6,869 paid 2000: $0 paid 2001: $0 paid 2002: $757 paid 2003: $40,916 paid 2004: $45,418 paid 2005: $147,911 paid 2006: $23,947 paid 2007: $41,653 paid 2008: $0 paid 2009: $21,071 paid 2010: $9,101 paid 2013: $154,355 paid 2014: $7,426 paid 2015: $2,834 paid 2017: $0 paid 2018: $42,764 paid 2019: $1,222 paid 2020: $375,134 paid 2021: $6,356 paid 2024: $1,253,259 paid 2024 · $1.3M 1978 2024
$2.6M
total paid
$16,579
average claim
$291K
largest single claim
29%
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 Spartanburg, SC and where it ranks among U.S. counties. It is not a verdict on whether Spartanburg 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.