Property Atlas

County hazard profile

Lancaster, VA

Virginia · pop. 10,919 · FIPS 51103

Very Low
FEMA risk rating · RATING
Drought
dominant hazard
$7M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lancaster $7M

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 indexVery Low 32.28/100
national median ~50 lower than most counties (32nd percentile)
Social vulnerabilityVery High 87.75/100
national median ~50 higher than 88% of counties
Community resilienceVery High 93.86/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lancaster

The National Flood Insurance Program has paid 396 flood-insurance claims totaling $5.8M in Lancaster since 1985. The costliest year was 2003 ($2.8M paid).

Flood-insurance dollars paid by year of loss

1985: $6,841 paid 1994: $44 paid 1996: $3,454 paid 1998: $27,564 paid 1999: $7,556 paid 2003: $2,789,247 paid 2004: $0 paid 2006: $2,586,555 paid 2009: $173,219 paid 2010: $30,373 paid 2011: $101,422 paid 2012: $27,213 paid 2013: $1,968 paid 2015: $18,246 paid 2016: $5,308 paid 2018: $28,351 paid 2020: $10,771 paid 2023: $3,060 paid 2024: $26,689 paid 2003 · $2.8M 1985 2024
$5.8M
total paid
$14,767
average claim
$357K
largest single claim
84%
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 Lancaster, VA and where it ranks among U.S. counties. It is not a verdict on whether Lancaster 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.