Property Atlas

County hazard profile

Frederick, VA

Virginia · pop. 91,336 · FIPS 51069

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$20M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Frederick $20M

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 44.72/100
national median ~50 near the national middle (45th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 54.48/100
national median ~50 near the national middle (54th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Frederick

The National Flood Insurance Program has paid 57 flood-insurance claims totaling $552K in Frederick since 1978. The costliest year was 2018 ($147K paid).

Flood-insurance dollars paid by year of loss

1978: $42,151 paid 1979: $60,580 paid 1981: $9,273 paid 1987: $2,775 paid 1988: $2,120 paid 1992: $0 paid 1996: $123,246 paid 1999: $0 paid 2001: $0 paid 2003: $0 paid 2004: $76,160 paid 2005: $0 paid 2011: $903 paid 2012: $28,397 paid 2013: $6,701 paid 2014: $14,950 paid 2016: $2,957 paid 2017: $0 paid 2018: $146,897 paid 2021: $2,829 paid 2022: $0 paid 2024: $16,482 paid 2025: $15,941 paid 2018 · $147K 1978 2025
$552K
total paid
$9,691
average claim
$111K
largest single claim
40%
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 Frederick, VA and where it ranks among U.S. counties. It is not a verdict on whether Frederick 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.