Property Atlas

County hazard profile

Northumberland, VA

Virginia · pop. 11,831 · FIPS 51133

Very Low
FEMA risk rating · RATING
Drought
dominant hazard
$8M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Northumberland $8M

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 39.98/100
national median ~50 near the national middle (40th percentile)
Social vulnerabilityVery High 91.22/100
national median ~50 among the highest nationally
Community resilienceRelatively High 75.45/100
national median ~50 higher than 75% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Northumberland

The National Flood Insurance Program has paid 385 flood-insurance claims totaling $6.9M in Northumberland since 1982. The costliest year was 2006 ($3.7M paid).

Flood-insurance dollars paid by year of loss

1982: $693 paid 1983: $0 paid 1984: $923 paid 1985: $12,485 paid 1991: $500 paid 1993: $0 paid 1994: $5,289 paid 1995: $139 paid 1996: $5,963 paid 1998: $14,375 paid 1999: $15,031 paid 2000: $0 paid 2003: $2,373,711 paid 2005: $18,113 paid 2006: $3,678,516 paid 2008: $164,153 paid 2009: $86,373 paid 2010: $2,379 paid 2011: $198,064 paid 2012: $7,160 paid 2013: $26,522 paid 2014: $0 paid 2015: $125,380 paid 2016: $0 paid 2017: $414 paid 2018: $23,777 paid 2020: $2,085 paid 2021: $163,263 paid 2006 · $3.7M 1982 2021
$6.9M
total paid
$17,988
average claim
$441K
largest single claim
72%
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 Northumberland, VA and where it ranks among U.S. counties. It is not a verdict on whether Northumberland 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.