Property Atlas

County hazard profile

Grays Harbor, WA

Washington · pop. 75,462 · FIPS 53027

Relatively High
FEMA risk rating · RATING
Tsunami
dominant hazard
$212M
modeled expected annual loss/yr

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

near the national middle (65th percentile)

national median $15M/yr Grays Harbor $212M

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 High 96.98/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 67.18/100
national median ~50 near the national middle (67th percentile)
Community resilienceRelatively High 61.99/100
national median ~50 near the national middle (62nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Grays Harbor

The National Flood Insurance Program has paid 921 flood-insurance claims totaling $14.0M in Grays Harbor since 1978. The costliest year was 2015 ($5.6M paid).

Flood-insurance dollars paid by year of loss

1978: $1,760 paid 1979: $15,888 paid 1980: $39,738 paid 1981: $94,338 paid 1982: $14,330 paid 1983: $0 paid 1986: $13,976 paid 1990: $138,457 paid 1992: $0 paid 1993: $3,666 paid 1994: $139,969 paid 1995: $63,150 paid 1996: $591,261 paid 1997: $421,275 paid 1998: $32,776 paid 1999: $766,975 paid 2000: $0 paid 2001: $17,138 paid 2002: $4,993 paid 2003: $123,586 paid 2005: $0 paid 2006: $387,679 paid 2007: $1,989,009 paid 2008: $37,577 paid 2009: $1,668,558 paid 2010: $7,017 paid 2011: $88,271 paid 2012: $61,166 paid 2013: $0 paid 2014: $4,063 paid 2015: $5,605,046 paid 2016: $19,082 paid 2017: $19,893 paid 2018: $5,950 paid 2021: $189,329 paid 2022: $1,263,492 paid 2023: $116,432 paid 2025: $14,846 paid 2015 · $5.6M 1978 2025
$14.0M
total paid
$15,158
average claim
$752K
largest single claim
79%
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 Grays Harbor, WA and where it ranks among U.S. counties. It is not a verdict on whether Grays Harbor 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.