Property Atlas

County hazard profile

Hanover, VA

Virginia · pop. 109,963 · FIPS 51085

Relatively Low
FEMA risk rating · RATING
Drought
dominant hazard
$29M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Hanover $29M

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 53.5/100
national median ~50 near the national middle (54th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 88.71/100
national median ~50 higher than 89% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hanover

The National Flood Insurance Program has paid 39 flood-insurance claims totaling $625K in Hanover since 1985. The costliest year was 2004 ($237K paid).

Flood-insurance dollars paid by year of loss

1985: $16,207 paid 1995: $0 paid 1999: $0 paid 2003: $135,993 paid 2004: $237,087 paid 2006: $92,813 paid 2007: $0 paid 2010: $2,981 paid 2011: $1,230 paid 2012: $0 paid 2013: $0 paid 2015: $0 paid 2018: $91,809 paid 2019: $31,810 paid 2021: $0 paid 2024: $15,134 paid 2004 · $237K 1985 2024
$625K
total paid
$16,027
average claim
$121K
largest single claim
41%
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 Hanover, VA and where it ranks among U.S. counties. It is not a verdict on whether Hanover 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.