Property Atlas

County hazard profile

Fayette, WV

West Virginia · pop. 40,383 · FIPS 54019

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$14M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Fayette $14M

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 53.44/100
national median ~50 near the national middle (53rd percentile)
Social vulnerabilityRelatively High 64.12/100
national median ~50 near the national middle (64th percentile)
Community resilienceRelatively Low 27.23/100
national median ~50 lower than most counties (27th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Fayette

The National Flood Insurance Program has paid 295 flood-insurance claims totaling $3.2M in Fayette since 1978. The costliest year was 2001 ($843K paid).

Flood-insurance dollars paid by year of loss

1978: $17,273 paid 1979: $3,839 paid 1982: $5,799 paid 1984: $15,859 paid 1985: $23,207 paid 1986: $4,767 paid 1987: $13,912 paid 1989: $13,949 paid 1990: $6,000 paid 1991: $10,020 paid 1992: $10,064 paid 1994: $8,156 paid 1995: $0 paid 1996: $18,891 paid 1998: $11,479 paid 2001: $842,748 paid 2002: $649 paid 2003: $90,478 paid 2004: $6,083 paid 2005: $0 paid 2007: $1,999 paid 2009: $61,390 paid 2010: $584,051 paid 2011: $4,137 paid 2012: $0 paid 2013: $5,104 paid 2015: $18,397 paid 2016: $746,613 paid 2017: $2,183 paid 2018: $799 paid 2019: $0 paid 2020: $51,173 paid 2022: $572,836 paid 2025: $10,070 paid 2001 · $843K 1978 2025
$3.2M
total paid
$10,718
average claim
$197K
largest single claim
55%
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 Fayette, WV and where it ranks among U.S. counties. It is not a verdict on whether Fayette 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.