Property Atlas

County hazard profile

Okanogan, WA

Washington · pop. 42,016 · FIPS 53047

Relatively Moderate
FEMA risk rating · RATING
Wildfire
dominant hazard
$51M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Okanogan $51M

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 Moderate 89.19/100
national median ~50 higher than 89% of counties
Social vulnerabilityVery High 88.96/100
national median ~50 higher than 89% of counties
Community resilienceVery Low 16.44/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Okanogan

The National Flood Insurance Program has paid 89 flood-insurance claims totaling $479K in Okanogan since 1979. The costliest year was 2018 ($184K paid).

Flood-insurance dollars paid by year of loss

1979: $410 paid 1982: $2,549 paid 1983: $76,562 paid 1984: $12,433 paid 1985: $0 paid 1986: $495 paid 1990: $14,400 paid 1991: $16,512 paid 1997: $20,936 paid 1998: $0 paid 1999: $38,374 paid 2001: $35,000 paid 2005: $2,784 paid 2006: $22,293 paid 2008: $9,751 paid 2011: $2,818 paid 2014: $0 paid 2015: $7,296 paid 2017: $31,713 paid 2018: $184,451 paid 2023: $0 paid 2018 · $184K 1979 2023
$479K
total paid
$5,380
average claim
$59K
largest single claim
48%
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 Okanogan, WA and where it ranks among U.S. counties. It is not a verdict on whether Okanogan 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.