Property Atlas

County hazard profile

Wood, WV

West Virginia · pop. 84,238 · FIPS 54107

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$37M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Wood $37M

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 79.83/100
national median ~50 higher than 80% of counties
Social vulnerabilityRelatively Moderate 58.62/100
national median ~50 near the national middle (59th percentile)
Community resilienceVery High 88.45/100
national median ~50 higher than 88% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Wood

The National Flood Insurance Program has paid 947 flood-insurance claims totaling $13.2M in Wood since 1978. The costliest year was 2004 ($4.5M paid).

Flood-insurance dollars paid by year of loss

1978: $72,975 paid 1979: $180,420 paid 1980: $22,794 paid 1981: $24,100 paid 1982: $7,762 paid 1983: $0 paid 1984: $184,789 paid 1985: $16,555 paid 1986: $3,682 paid 1989: $58,520 paid 1990: $360,248 paid 1991: $90,702 paid 1992: $2,264 paid 1994: $699,379 paid 1995: $2,264 paid 1996: $1,030,473 paid 1997: $835,548 paid 1998: $1,411,764 paid 1999: $26,200 paid 2000: $137,618 paid 2001: $3,966 paid 2002: $331 paid 2003: $60,795 paid 2004: $4,468,379 paid 2005: $1,353,002 paid 2006: $0 paid 2007: $0 paid 2008: $0 paid 2010: $5,443 paid 2011: $39,664 paid 2012: $3,167 paid 2013: $19,910 paid 2015: $964,075 paid 2016: $0 paid 2017: $4,628 paid 2018: $587,332 paid 2020: $0 paid 2021: $7,040 paid 2022: $704 paid 2023: $286,586 paid 2024: $271,282 paid 2004 · $4.5M 1978 2024
$13.2M
total paid
$13,986
average claim
$262K
largest single claim
74%
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 Wood, WV and where it ranks among U.S. counties. It is not a verdict on whether Wood 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.