Property Atlas

County hazard profile

Culpeper, VA

Virginia · pop. 52,534 · FIPS 51047

Relatively Low
FEMA risk rating · RATING
Drought
dominant hazard
$15M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Culpeper $15M

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 46.25/100
national median ~50 near the national middle (46th percentile)
Social vulnerabilityRelatively Low 36.26/100
national median ~50 lower than most counties (36th percentile)
Community resilienceRelatively Moderate 48.6/100
national median ~50 near the national middle (49th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Culpeper

The National Flood Insurance Program has paid 43 flood-insurance claims totaling $722K in Culpeper since 1978. The costliest year was 2011 ($173K paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $547 paid 1984: $1,609 paid 1985: $5,417 paid 1987: $24,352 paid 1989: $22,512 paid 1995: $117,553 paid 1996: $40,656 paid 2002: $0 paid 2009: $2,516 paid 2011: $173,002 paid 2012: $0 paid 2013: $88,792 paid 2014: $890 paid 2018: $72,228 paid 2020: $144,618 paid 2021: $27,204 paid 2022: $0 paid 2011 · $173K 1978 2022
$722K
total paid
$16,788
average claim
$84K
largest single claim
49%
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 Culpeper, VA and where it ranks among U.S. counties. It is not a verdict on whether Culpeper 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.