Property Atlas

County hazard profile

Upshur, WV

West Virginia · pop. 23,791 · FIPS 54097

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$12M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Upshur $12M

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 44.85/100
national median ~50 near the national middle (45th percentile)
Social vulnerabilityRelatively High 65.11/100
national median ~50 near the national middle (65th percentile)
Community resilienceRelatively Moderate 44.02/100
national median ~50 near the national middle (44th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Upshur

The National Flood Insurance Program has paid 382 flood-insurance claims totaling $2.7M in Upshur since 1978. The costliest year was 1996 ($988K paid).

Flood-insurance dollars paid by year of loss

1978: $23,369 paid 1979: $0 paid 1980: $6,293 paid 1981: $1,551 paid 1983: $794 paid 1985: $567,855 paid 1989: $331 paid 1990: $0 paid 1992: $46,461 paid 1994: $769,777 paid 1996: $987,613 paid 1997: $87,255 paid 1998: $7,554 paid 1999: $0 paid 2000: $56,320 paid 2002: $0 paid 2003: $1,186 paid 2004: $48,473 paid 2006: $1,467 paid 2008: $2,666 paid 2014: $2,722 paid 2015: $1,188 paid 2022: $27,509 paid 2025: $55,815 paid 1996 · $988K 1978 2025
$2.7M
total paid
$7,058
average claim
$82K
largest single claim
71%
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 Upshur, WV and where it ranks among U.S. counties. It is not a verdict on whether Upshur 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.