Property Atlas

County hazard profile

Ohio, WV

West Virginia · pop. 42,418 · FIPS 54069

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$32M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Ohio $32M

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 69.82/100
national median ~50 near the national middle (70th percentile)
Social vulnerabilityRelatively Low 27.64/100
national median ~50 lower than most counties (28th percentile)
Community resilienceVery High 94.85/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Ohio

The National Flood Insurance Program has paid 3,120 flood-insurance claims totaling $33.8M in Ohio since 1978. The costliest year was 2004 ($17.1M paid).

Flood-insurance dollars paid by year of loss

1978: $104,508 paid 1979: $18,998 paid 1980: $886,067 paid 1981: $131,661 paid 1982: $1,578 paid 1983: $11,941 paid 1984: $1,111 paid 1985: $1,301,790 paid 1989: $0 paid 1990: $359,081 paid 1991: $14,838 paid 1992: $0 paid 1994: $674,966 paid 1996: $3,539,539 paid 1998: $2,969 paid 2003: $4,102 paid 2004: $17,148,242 paid 2005: $1,926,162 paid 2008: $0 paid 2009: $0 paid 2010: $0 paid 2011: $73,283 paid 2013: $9,158 paid 2016: $152,585 paid 2017: $370,089 paid 2018: $2,100,552 paid 2019: $10,203 paid 2020: $523,502 paid 2021: $5,797 paid 2024: $1,706,346 paid 2025: $2,689,118 paid 2004 · $17.1M 1978 2025
$33.8M
total paid
$10,823
average claim
$1.0M
largest single claim
82%
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 Ohio, WV and where it ranks among U.S. counties. It is not a verdict on whether Ohio 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.