Property Atlas

County hazard profile

Northampton, VA

Virginia · pop. 12,215 · FIPS 51131

Relatively Low
FEMA risk rating · RATING
Drought
dominant hazard
$9M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Northampton $9M

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 44.47/100
national median ~50 near the national middle (44th percentile)
Social vulnerabilityVery High 96.88/100
national median ~50 among the highest nationally
Community resilienceVery High 97.3/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Northampton

The National Flood Insurance Program has paid 98 flood-insurance claims totaling $1.1M in Northampton since 1978. The costliest year was 2003 ($453K paid).

Flood-insurance dollars paid by year of loss

1978: $1,209 paid 1984: $6,500 paid 1985: $10,989 paid 1987: $0 paid 1989: $0 paid 1990: $0 paid 1992: $376 paid 1998: $21,409 paid 1999: $62,712 paid 2000: $519 paid 2003: $452,998 paid 2006: $25,539 paid 2009: $127,207 paid 2010: $966 paid 2011: $118,514 paid 2012: $211,026 paid 2015: $5,013 paid 2016: $38,656 paid 2018: $47,184 paid 2003 · $453K 1978 2018
$1.1M
total paid
$11,539
average claim
$73K
largest single claim
77%
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 Northampton, VA and where it ranks among U.S. counties. It is not a verdict on whether Northampton 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.