Property Atlas

County hazard profile

Waynesboro, VA

Virginia · pop. 22,195 · FIPS 51820

Very Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$6M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Waynesboro $6M

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 10.34/100
national median ~50 among the lowest nationally
Social vulnerabilityVery Low 15.01/100
national median ~50 among the lowest nationally
Community resilienceVery High 80.92/100
national median ~50 higher than 81% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Waynesboro

The National Flood Insurance Program has paid 367 flood-insurance claims totaling $6.0M in Waynesboro since 1978. The costliest year was 1996 ($3.1M paid).

Flood-insurance dollars paid by year of loss

1978: $1,126 paid 1979: $5,073 paid 1983: $11,207 paid 1984: $0 paid 1985: $1,482,443 paid 1987: $3,367 paid 1988: $0 paid 1989: $720 paid 1990: $0 paid 1992: $6,214 paid 1993: $386 paid 1995: $1,298 paid 1996: $3,077,035 paid 1998: $21,955 paid 2000: $0 paid 2003: $1,268,037 paid 2004: $37,146 paid 2005: $18,958 paid 2008: $0 paid 2009: $3,616 paid 2010: $5,363 paid 2011: $15,762 paid 2015: $3,556 paid 2016: $1,535 paid 2018: $11,852 paid 2024: $13,736 paid 1996 · $3.1M 1978 2024
$6.0M
total paid
$16,323
average claim
$246K
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 Waynesboro, VA and where it ranks among U.S. counties. It is not a verdict on whether Waynesboro 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.