Updated May 2026
Flood Risk in PR
PR sits in the middle of the U.S. flood-risk distribution with an average composite score of 17. 0 of 79 counties carry an F grade, and the state has logged 63 NFIP claims to date — meaningful volume, mostly concentrated in a few river-adjacent or low-lying regions rather than spread evenly.
Grade Distribution Across PR
The grade mix is dominated by A — 100% of counties — meaning the typical place in this state has very low historical flood loss. The handful of B/C/D/F counties below define where risk is concentrated.
How PR Compares Nationally
The U.S. county-level average composite score is 12. PR sits at 17, which is 5 points above the national average — meaningfully more flood-exposed than the typical U.S. state. 1399 federal flood-related disaster declarations across 79 counties is one of the highest counts in the dataset — about 17.7 per county. Most counties have lived through multiple federally declared floods.
For full national context — every state ranked by average score and total claims — see the all-states overview. The riskiest-counties ranking and highest-payouts ranking drill into where loss is concentrated. Real-time stream-gauge readings are at USGS Water Data.
Riskiest in PR
| County | Grade | Score |
|---|---|---|
| Adjuntas | A | 20 |
| Orocovis | A | 20 |
| Utuado | A | 20 |
| Barranquitas | A | 19 |
| Ciales | A | 19 |
How PR's Risk Is Calculated
Every county in PR is scored on the same four factors that drive every county nationwide: NFIP claims density (40%), federally declared flood-disaster frequency (25%), average claim severity (20%), and year-over-year trend (15%). Source data comes from the public FEMA flood-mapping program and OpenFEMA endpoints. Detailed weighting math, plus the data's known limitations (county-level granularity, NFIP-participation bias, historical bias), is on the methodology page.
All 79 Counties in PR
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | Adjuntas | A | 20 | 0 | $0 | 23 |
| 2 | Orocovis | A | 20 | 0 | $0 | 23 |
| 3 | Utuado | A | 20 | 0 | $0 | 24 |
| 4 | Barranquitas | A | 19 | 0 | $0 | 22 |
| 5 | Ciales | A | 19 | 0 | $0 | 21 |
| 6 | Jayuya | A | 19 | 0 | $0 | 21 |
| 7 | Naguabo | A | 19 | 0 | $0 | 22 |
| 8 | Toa Baja | A | 19 | 16 | $654,940 | 21 |
| 9 | Vega Baja | A | 19 | 0 | $0 | 21 |
| 10 | Villalba | A | 19 | 0 | $0 | 22 |
| 11 | Yabucoa | A | 19 | 0 | $0 | 22 |
| 12 | Aguas Buenas | A | 18 | 0 | $0 | 20 |
| 13 | Aibonito | A | 18 | 0 | $0 | 20 |
| 14 | Barceloneta | A | 18 | 0 | $0 | 19 |
| 15 | Caguas | A | 18 | 0 | $0 | 19 |
| 16 | Canovanas | A | 18 | 0 | $0 | 19 |
| 17 | Cayey | A | 18 | 0 | $0 | 19 |
| 18 | Coamo | A | 18 | 0 | $0 | 20 |
| 19 | Comerio | A | 18 | 0 | $0 | 20 |
| 20 | Fajardo | A | 18 | 0 | $0 | 20 |
| 21 | Gurabo | A | 18 | 0 | $0 | 19 |
| 22 | Humacao | A | 18 | 4 | $157,497 | 20 |
| 23 | Juana Diaz | A | 18 | 0 | $0 | 19 |
| 24 | Las Piedras | A | 18 | 0 | $0 | 19 |
| 25 | Loiza | A | 18 | 2 | $19,964 | 20 |
| 26 | Luquillo | A | 18 | 0 | $0 | 19 |
| 27 | Maunabo | A | 18 | 0 | $0 | 19 |
| 28 | Naranjito | A | 18 | 0 | $0 | 19 |
| 29 | Patillas | A | 18 | 0 | $0 | 20 |
| 30 | Ponce | A | 18 | 3 | $33,010 | 19 |
| 31 | Salinas | A | 18 | 0 | $0 | 20 |
| 32 | San Lorenzo | A | 18 | 0 | $0 | 19 |
| 33 | Santa Isabel | A | 18 | 0 | $0 | 19 |
| 34 | Toa Alta | A | 18 | 0 | $0 | 19 |
| 35 | Vieques | A | 18 | 0 | $0 | 19 |
| 36 | Yauco | A | 18 | 2 | $11,000 | 19 |
| 37 | Arroyo | A | 17 | 0 | $0 | 18 |
| 38 | Bayamon | A | 17 | 5 | $140,855 | 17 |
| 39 | Carolina | A | 17 | 6 | $88,696 | 18 |
| 40 | Catano | A | 17 | 0 | $0 | 17 |
| 41 | Ceiba | A | 17 | 0 | $0 | 18 |
| 42 | Cidra | A | 17 | 0 | $0 | 18 |
| 43 | Corozal | A | 17 | 0 | $0 | 17 |
| 44 | Culebra | A | 17 | 0 | $0 | 17 |
| 45 | Dorado | A | 17 | 0 | $0 | 18 |
| 46 | Guayama | A | 17 | 1 | $0 | 18 |
| 47 | Guayanilla | A | 17 | 2 | $48,538 | 17 |
| 48 | Guaynabo | A | 17 | 2 | $43,604 | 17 |
| 49 | Juncos | A | 17 | 0 | $0 | 18 |
| 50 | Manati | A | 17 | 1 | $30,205 | 17 |
| 51 | Morovis | A | 17 | 0 | $0 | 18 |
| 52 | Penuelas | A | 17 | 0 | $0 | 18 |
| 53 | Rio Grande | A | 17 | 0 | $0 | 18 |
| 54 | San Sebastian | A | 17 | 0 | $0 | 17 |
| 55 | Trujillo Alto | A | 17 | 0 | $0 | 17 |
| 56 | Vega Alta | A | 17 | 0 | $0 | 17 |
| 57 | Aguada | A | 16 | 3 | $34,014 | 15 |
| 58 | Anasco | A | 16 | 7 | $164,299 | 15 |
| 59 | Florida | A | 16 | 0 | $0 | 15 |
| 60 | Guanica | A | 16 | 0 | $0 | 16 |
| 61 | Lajas | A | 16 | 0 | $0 | 16 |
| 62 | Lares | A | 16 | 0 | $0 | 16 |
| 63 | Maricao | A | 16 | 0 | $0 | 16 |
| 64 | Sabana Grande | A | 16 | 0 | $0 | 16 |
| 65 | San German | A | 16 | 0 | $0 | 15 |
| 66 | San Juan | A | 16 | 0 | $0 | 16 |
| 67 | Cabo Rojo | A | 15 | 0 | $0 | 13 |
| 68 | Camuy | A | 15 | 0 | $0 | 14 |
| 69 | Hatillo | A | 15 | 0 | $0 | 14 |
| 70 | Hormigueros | A | 15 | 0 | $0 | 13 |
| 71 | Las Marias | A | 15 | 0 | $0 | 14 |
| 72 | Mayaguez | A | 15 | 0 | $0 | 14 |
| 73 | Quebradillas | A | 15 | 0 | $0 | 13 |
| 74 | Rincon | A | 15 | 0 | $0 | 14 |
| 75 | Arecibo | A | 14 | 9 | $403,738 | 20 |
| 76 | Isabela | A | 14 | 0 | $0 | 12 |
| 77 | Moca | A | 14 | 0 | $0 | 12 |
| 78 | Aguadilla | A | 13 | 0 | $0 | 11 |
| 79 | Statewide | A | 9 | 0 | $0 | 3 |
Frequently Asked Questions
What is the average flood risk score in PR?
PR's average composite flood risk score is 17 on a 0–100 scale, computed as the mean of all 79 county scores. That is 5 points above the U.S. county-level average of 12. Score components: 40% claims density, 25% disaster frequency, 20% claim severity, 15% trend.
Which counties in PR have the highest flood risk?
The riskiest county in PR is Adjuntas with a composite score of 20 (grade A). The next four — Orocovis, Utuado, Barranquitas, Ciales — round out the top-five most exposed places in the state.
How many NFIP flood-insurance claims has PR filed?
FEMA's National Flood Insurance Program shows 63 claims on file from PR, with combined payouts of $1,830,360 across the dataset. 14 of the state's 79 counties have at least one NFIP claim recorded.
Are FEMA flood maps the same as your risk score?
No. The flood risk score on this page is a county-wide composite drawn from claims, disasters, severity, and trend. FEMA Flood Insurance Rate Maps (FIRMs, available at fema.gov/flood-maps) are parcel-level zone designations based on hydrologic modeling. The two answer different questions; serious decisions about insurance or building should use both, plus real-time hydrology from USGS Water Data.
When was the PR data last updated?
These figures were refreshed from the OpenFEMA API on 2026-05-16. FEMA itself publishes new NFIP claims on a quarterly cycle, so the data may lag actual events by up to three months.
Flood risk profile for PR: 79 counties, 63 NFIP claims, average composite score 17.
this entity is one of the data points covered by this site’s U.S. flood risk, NFIP claims, and disaster declarations dataset. The detail above comes directly from FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims; the context that follows situates the headline numbers against the broader distribution across U.S. ZIPs, counties, and states.
Every number on this page links back to FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims; the methodology page describes the inputs, refresh cadence, and known limitations of the underlying data product.
For readers using this page as a decision input, the related-entity pages elsewhere on the site provide the comparison set. The most useful comparison for this entity is typically a peer within U.S. ZIPs, counties, and states with similar size, similar exposure, or similar geography — not the national-level summary alone.