Property Atlas

County hazard profile

Brooke, WV

West Virginia · pop. 22,549 · FIPS 54009

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Brooke $13M

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 Low 54.23/100
national median ~50 near the national middle (54th percentile)
Social vulnerabilityVery High 85.69/100
national median ~50 higher than 86% of counties
Community resilienceRelatively Moderate 57.09/100
national median ~50 near the national middle (57th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Brooke

The National Flood Insurance Program has paid 488 flood-insurance claims totaling $6.4M in Brooke since 1978. The costliest year was 2004 ($3.7M paid).

Flood-insurance dollars paid by year of loss

1978: $1,472 paid 1979: $173,351 paid 1980: $33,356 paid 1981: $167 paid 1982: $1,106 paid 1983: $3,354 paid 1985: $2,259 paid 1986: $0 paid 1987: $0 paid 1988: $107,136 paid 1989: $896 paid 1990: $102,907 paid 1991: $576 paid 1993: $603 paid 1994: $16,740 paid 1996: $838,387 paid 1997: $10,260 paid 1998: $6,039 paid 2000: $16,859 paid 2002: $38,229 paid 2003: $14,440 paid 2004: $3,686,862 paid 2005: $266,396 paid 2011: $15,386 paid 2016: $590,086 paid 2018: $158,189 paid 2019: $2,887 paid 2022: $20,983 paid 2024: $274,918 paid 2004 · $3.7M 1978 2024
$6.4M
total paid
$13,082
average claim
$275K
largest single claim
80%
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 Brooke, WV and where it ranks among U.S. counties. It is not a verdict on whether Brooke 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.