Property Atlas

County hazard profile

Laramie, WY

Wyoming · pop. 100,483 · FIPS 56021

Relatively Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$42M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Laramie $42M

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 76.69/100
national median ~50 higher than 77% of counties
Social vulnerabilityRelatively Low 22.04/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 49.01/100
national median ~50 near the national middle (49th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Laramie

The National Flood Insurance Program has paid 192 flood-insurance claims totaling $970K in Laramie since 1978. The costliest year was 1985 ($593K paid).

Flood-insurance dollars paid by year of loss

1978: $4,018 paid 1979: $7,016 paid 1980: $2,198 paid 1981: $319 paid 1982: $47,561 paid 1983: $61,192 paid 1985: $592,692 paid 1991: $0 paid 1993: $15,322 paid 1995: $721 paid 1997: $44,048 paid 1998: $0 paid 1999: $123 paid 2001: $0 paid 2002: $0 paid 2005: $176 paid 2007: $4,207 paid 2008: $27,595 paid 2009: $8,438 paid 2010: $0 paid 2011: $2,790 paid 2012: $3,228 paid 2013: $5,445 paid 2014: $26,519 paid 2015: $3,064 paid 2018: $8,423 paid 2019: $60,040 paid 2021: $0 paid 2023: $10,279 paid 2025: $34,502 paid 1985 · $593K 1978 2025
$970K
total paid
$5,052
average claim
$60K
largest single claim
32%
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 Laramie, WY and where it ranks among U.S. counties. It is not a verdict on whether Laramie 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.