Property Atlas

County hazard profile

Harrison, WV

West Virginia · pop. 65,753 · FIPS 54033

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$28M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Harrison $28M

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 73.6/100
national median ~50 near the national middle (74th percentile)
Social vulnerabilityRelatively Moderate 59.83/100
national median ~50 near the national middle (60th percentile)
Community resilienceVery High 87.31/100
national median ~50 higher than 87% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Harrison

The National Flood Insurance Program has paid 773 flood-insurance claims totaling $5.6M in Harrison since 1978. The costliest year was 1985 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1978: $296,717 paid 1979: $73,543 paid 1980: $570,384 paid 1981: $189,110 paid 1982: $0 paid 1983: $10,684 paid 1985: $1,966,865 paid 1987: $0 paid 1988: $1 paid 1989: $184,511 paid 1990: $39,309 paid 1994: $233,907 paid 1996: $452,615 paid 1998: $17,667 paid 2000: $111,817 paid 2001: $17,774 paid 2002: $236 paid 2003: $181,259 paid 2004: $7,975 paid 2007: $181,216 paid 2008: $447,584 paid 2009: $8,257 paid 2011: $74,659 paid 2012: $53,968 paid 2013: $39,728 paid 2014: $28,084 paid 2016: $0 paid 2017: $145,277 paid 2018: $71,826 paid 2019: $0 paid 2020: $14,846 paid 2022: $24,986 paid 2023: $112,258 paid 2024: $43,170 paid 2025: $7,175 paid 1985 · $2.0M 1978 2025
$5.6M
total paid
$7,254
average claim
$171K
largest single claim
46%
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 Harrison, WV and where it ranks among U.S. counties. It is not a verdict on whether Harrison 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.