Property Atlas

County hazard profile

Monongalia, WV

West Virginia · pop. 105,598 · FIPS 54061

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$36M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Monongalia $36M

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 71.53/100
national median ~50 near the national middle (72nd percentile)
Social vulnerabilityVery Low 18.45/100
national median ~50 among the lowest nationally
Community resilienceVery High 83.87/100
national median ~50 higher than 84% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Monongalia

The National Flood Insurance Program has paid 361 flood-insurance claims totaling $3.2M in Monongalia since 1978. The costliest year was 1980 ($912K paid).

Flood-insurance dollars paid by year of loss

1978: $26,542 paid 1979: $5,588 paid 1980: $912,457 paid 1981: $810 paid 1983: $0 paid 1984: $2,733 paid 1985: $161,759 paid 1987: $15,123 paid 1989: $28,058 paid 1990: $4,587 paid 1992: $6,073 paid 1994: $3,182 paid 1995: $2,849 paid 1996: $369,920 paid 1997: $12,104 paid 1998: $11,004 paid 2000: $171,290 paid 2001: $1,747 paid 2002: $7,797 paid 2003: $555,116 paid 2005: $7,997 paid 2006: $0 paid 2007: $12,777 paid 2008: $2,365 paid 2009: $166,670 paid 2010: $1,478 paid 2011: $4,291 paid 2012: $16,760 paid 2015: $0 paid 2016: $22,004 paid 2017: $304,571 paid 2019: $0 paid 2021: $297,846 paid 2022: $12,617 paid 2025: $14,723 paid 1980 · $912K 1978 2025
$3.2M
total paid
$8,761
average claim
$167K
largest single claim
53%
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 Monongalia, WV and where it ranks among U.S. counties. It is not a verdict on whether Monongalia 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.