Updated May 2026
Flood Risk in Toa Baja, PR
Toa Baja, PR has a Flood Risk Score of 19/100 (Grade A), ranking #224 of 3,277 counties nationwide. The risk level is Low. There have been 16 NFIP flood-insurance claims totaling $654,940 in payouts, with 21 federal disaster declarations on record.
Key Data
What the Grade Means Here
Toa Baja sits in the lowest-risk tier in the FEMA dataset — composite score 19, ranked #224 of 3,277 counties (where #1 is the riskiest). The county has logged 16 NFIP flood-insurance claims and 21 federal flood-related disaster declarations to date. An A grade does not mean zero risk: flash floods, sewer backups, and rare extreme storms can still cause loss, and FEMA reports more than 25% of all NFIP payouts originate from properties outside Special Flood Hazard Areas.
Within PR, Toa Baja carries flood risk roughly typical of the state, where the average composite score is 17. The county ranks #8 of 79 state-internally. The full PR state profile shows how every county within the state compares.
What's Driving the Risk Score?
The single biggest driver of the composite score in this county is federal disaster frequency (25% of the formula, factor score 45). For Toa Baja, that means the cadence of federally declared flood-related disasters dominates — large enough events to exceed state and local response capacity have repeated multiple times.
The trend factor sits at 50 of 100 — a moderate signal that recent NFIP claim volume in this county has not been markedly worse than the long-run average. Watch for shifts after major storm seasons.
Score Breakdown
| Factor | Score | Weight |
|---|---|---|
| Claims Density | 0 | 40% |
| Disaster Frequency | 45 | 25% |
| Claim Severity | 0 | 20% |
| Year-over-Year Trend | 50 | 15% |
How This Score Is Calculated
The composite is a weighted average of four FEMA-derived factors. Source data comes from the public FEMA flood-mapping program via the OpenFEMA API. For property-level decisions, layer this with the parcel's FEMA Flood Insurance Rate Map zone and recent crest readings from USGS Water Data. Full math: methodology page.
Frequently Asked Questions
What is the flood risk in Toa Baja, PR?
Toa Baja, PR has a Flood Risk Score of 19/100 (Grade A), ranking #224 of 3,277 counties nationwide. The risk level is Low. There have been 16 NFIP flood-insurance claims totaling $654,940 in payouts, with 21 federal disaster declarations on record.
Is flood insurance required in Toa Baja?
Federal law requires flood insurance for any property in a Special Flood Hazard Area (FEMA Zone A or V) financed by a federally regulated lender. Toa Baja's county-wide composite score is 19 (Grade A), which is a county aggregate — your specific parcel's flood-zone designation comes from the FEMA Flood Insurance Rate Map (FIRM) at fema.gov/flood-maps. Even when not legally required, NFIP coverage is often available for a few hundred dollars a year in moderate- and low-risk zones, and FEMA reports more than 25% of all NFIP claims come from outside high-risk zones.
What is driving the flood risk score in Toa Baja?
The single biggest driver of the composite score in this county is federal disaster frequency (25% of the formula, factor score 45). For Toa Baja, that means the cadence of federally declared flood-related disasters dominates — large enough events to exceed state and local response capacity have repeated multiple times.
Is flood risk increasing or decreasing in Toa Baja?
The trend factor sits at 50 of 100 — a moderate signal that recent NFIP claim volume in this county has not been markedly worse than the long-run average. Watch for shifts after major storm seasons.
How does Toa Baja compare to other counties in PR?
Within PR, Toa Baja carries flood risk roughly typical of the state, where the average composite score is 17. The county ranks #8 of 79 state-internally.
Where does this data come from?
Every figure on this page comes from FEMA's public OpenFEMA API — the DisasterDeclarationsSummaries v2 endpoint (federally declared flood-related disasters) and the FimaNfipClaims endpoint (individual NFIP flood-insurance claims aggregated by county FIPS code). Both are public-domain U.S. government work. Real-time stream-gauge readings that complement these federal aggregates live at USGS Water Data. Last updated 2026-05-16.
Toa Baja, PR has a Flood Risk Score of 19/100 (Grade A), ranking #224 of 3,277 counties nationwide. The risk level is Low. There have been 16 NFIP flood-insurance claims totaling $654,940 in payouts, with 21 federal disaster declarations on record.
This answer pulls from FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims, the authoritative federal source for U.S. flood risk, NFIP claims, and disaster declarations. The headline number above is the direct answer; what follows is the additional context most readers need to use the answer for a real decision rather than just a fact lookup.
A practical caveat: the headline answer above reflects the most recent FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims vintage; underlying data is often revised for months after first publication, and the right reference for any specific decision is whichever vintage is current at the time of the decision. The as-of date is stamped on every page.