Property Atlas

County hazard profile

Cabell, WV

West Virginia · pop. 94,158 · FIPS 54011

Relatively Moderate
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$49M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Cabell $49M

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 85.37/100
national median ~50 higher than 85% of counties
Social vulnerabilityRelatively Moderate 59.16/100
national median ~50 near the national middle (59th percentile)
Community resilienceRelatively High 73.85/100
national median ~50 near the national middle (74th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cabell

The National Flood Insurance Program has paid 806 flood-insurance claims totaling $11.4M in Cabell since 1978. The costliest year was 2022 ($2.3M paid).

Flood-insurance dollars paid by year of loss

1978: $725,850 paid 1979: $137,721 paid 1980: $31,297 paid 1981: $0 paid 1982: $7,628 paid 1983: $0 paid 1984: $41,328 paid 1985: $11,324 paid 1986: $1,306 paid 1987: $833 paid 1989: $8,287 paid 1990: $160,532 paid 1991: $29,869 paid 1992: $0 paid 1994: $7,993 paid 1995: $0 paid 1996: $161,427 paid 1997: $1,593,066 paid 1998: $113,166 paid 2000: $166,891 paid 2001: $2,654 paid 2002: $127,662 paid 2003: $1,403,429 paid 2004: $443,817 paid 2005: $2,303 paid 2006: $301,168 paid 2008: $3,048 paid 2009: $105,420 paid 2010: $139,728 paid 2011: $50,270 paid 2013: $0 paid 2014: $81,982 paid 2015: $150,207 paid 2016: $369,908 paid 2017: $1,751 paid 2018: $27,186 paid 2019: $0 paid 2020: $1,157 paid 2021: $671,125 paid 2022: $2,332,973 paid 2023: $322,398 paid 2025: $1,616,127 paid 2022 · $2.3M 1978 2025
$11.4M
total paid
$14,085
average claim
$283K
largest single claim
60%
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 Cabell, WV and where it ranks among U.S. counties. It is not a verdict on whether Cabell 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.