Property Atlas

County hazard profile

Summers, WV

West Virginia · pop. 11,935 · FIPS 54089

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$8M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Summers $8M

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 indexVery Low 40.24/100
national median ~50 near the national middle (40th percentile)
Social vulnerabilityVery High 88.9/100
national median ~50 higher than 89% of counties
Community resilienceVery Low 19.21/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Summers

The National Flood Insurance Program has paid 312 flood-insurance claims totaling $5.7M in Summers since 1978. The costliest year was 1996 ($2.8M paid).

Flood-insurance dollars paid by year of loss

1978: $5,586 paid 1979: $0 paid 1980: $1,576 paid 1985: $434,917 paid 1986: $0 paid 1993: $0 paid 1994: $3,815 paid 1995: $0 paid 1996: $2,757,648 paid 1999: $14,025 paid 2002: $1,155 paid 2003: $87,185 paid 2006: $5,247 paid 2007: $21,454 paid 2008: $6,047 paid 2010: $388,229 paid 2013: $0 paid 2015: $817 paid 2016: $2,010,435 paid 2021: $8,524 paid 2025: $0 paid 1996 · $2.8M 1978 2025
$5.7M
total paid
$18,419
average claim
$234K
largest single claim
83%
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 Summers, WV and where it ranks among U.S. counties. It is not a verdict on whether Summers 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.