Property Atlas

County hazard profile

James City, VA

Virginia · pop. 78,221 · FIPS 51095

Relatively Low
FEMA risk rating · RATING
Drought
dominant hazard
$22M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr James City $22M

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 53.34/100
national median ~50 near the national middle (53rd percentile)
Social vulnerabilityVery Low 14.95/100
national median ~50 among the lowest nationally
Community resilienceVery High 93.8/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in James City

The National Flood Insurance Program has paid 370 flood-insurance claims totaling $6.4M in James City since 1979. The costliest year was 2003 ($3.6M paid).

Flood-insurance dollars paid by year of loss

1979: $1,645 paid 1981: $2,281 paid 1985: $29,325 paid 1989: $0 paid 1994: $0 paid 1996: $38,902 paid 1998: $61,539 paid 1999: $981,611 paid 2003: $3,613,850 paid 2004: $7,994 paid 2006: $956,211 paid 2008: $44,653 paid 2009: $285,046 paid 2010: $46,733 paid 2011: $134,873 paid 2012: $14,161 paid 2013: $51,753 paid 2014: $879 paid 2015: $8,517 paid 2016: $411 paid 2018: $0 paid 2020: $29,828 paid 2021: $29,634 paid 2022: $30,868 paid 2023: $0 paid 2024: $0 paid 2025: $7,124 paid 2003 · $3.6M 1979 2025
$6.4M
total paid
$17,237
average claim
$194K
largest single claim
78%
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 James City, VA and where it ranks among U.S. counties. It is not a verdict on whether James City 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.