Property Atlas

County hazard profile

Wayne, WV

West Virginia · pop. 38,938 · FIPS 54099

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$31M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Wayne $31M

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 79.8/100
national median ~50 higher than 80% of counties
Social vulnerabilityRelatively High 75.57/100
national median ~50 higher than 76% of counties
Community resilienceRelatively Low 25.25/100
national median ~50 lower than most counties (25th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Wayne

The National Flood Insurance Program has paid 469 flood-insurance claims totaling $4.3M in Wayne since 1978. The costliest year was 2021 ($814K paid).

Flood-insurance dollars paid by year of loss

1978: $297,698 paid 1979: $27,980 paid 1980: $45,996 paid 1981: $6,153 paid 1982: $1,823 paid 1984: $212,260 paid 1985: $1,708 paid 1987: $1,535 paid 1989: $118,560 paid 1990: $590 paid 1992: $0 paid 1993: $0 paid 1994: $17,453 paid 1995: $1,968 paid 1996: $156,317 paid 1997: $650,551 paid 1998: $726 paid 2000: $646 paid 2001: $0 paid 2002: $118,144 paid 2003: $612,549 paid 2004: $59,797 paid 2005: $27,139 paid 2006: $135,650 paid 2008: $1,854 paid 2009: $123,240 paid 2010: $69,141 paid 2011: $196,059 paid 2012: $6,699 paid 2013: $36,419 paid 2015: $287,066 paid 2016: $69,724 paid 2018: $0 paid 2019: $0 paid 2020: $22,414 paid 2021: $814,175 paid 2022: $1,718 paid 2023: $62,232 paid 2024: $0 paid 2025: $125,381 paid 2021 · $814K 1978 2025
$4.3M
total paid
$9,193
average claim
$266K
largest single claim
54%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Wayne, WV and where it ranks among U.S. counties. It is not a verdict on whether Wayne 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.