Property Atlas

County hazard profile

Harrisonburg, VA

Virginia · pop. 51,814 · FIPS 51660

Very Low
FEMA risk rating · RATING
Hurricane
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 Harrisonburg $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 indexVery Low 26.59/100
national median ~50 lower than most counties (27th percentile)
Social vulnerabilityRelatively Low 34.26/100
national median ~50 lower than most counties (34th percentile)
Community resilienceVery Low 16/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Harrisonburg

The National Flood Insurance Program has paid 55 flood-insurance claims totaling $762K in Harrisonburg since 1979. The costliest year was 2018 ($344K paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1980: $813 paid 1982: $75 paid 1984: $3,700 paid 1985: $23,936 paid 1987: $38,721 paid 1989: $3,158 paid 1992: $979 paid 1996: $77,251 paid 1998: $0 paid 1999: $0 paid 2003: $91,029 paid 2004: $0 paid 2010: $33,401 paid 2011: $0 paid 2012: $28,293 paid 2013: $15,304 paid 2015: $0 paid 2016: $1,774 paid 2018: $343,943 paid 2019: $22,202 paid 2021: $8,472 paid 2024: $68,668 paid 2018 · $344K 1979 2024
$762K
total paid
$13,849
average claim
$232K
largest single claim
47%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Harrisonburg, VA and where it ranks among U.S. counties. It is not a verdict on whether Harrisonburg 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.