Property Atlas

County hazard profile

Garland, AR

Arkansas · pop. 100,056 · FIPS 05051

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$57M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Garland $57M

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 Moderate 89.31/100
national median ~50 higher than 89% of counties
Social vulnerabilityVery High 81.27/100
national median ~50 higher than 81% of counties
Community resilienceRelatively Low 38.65/100
national median ~50 lower than most counties (39th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Garland

The National Flood Insurance Program has paid 270 flood-insurance claims totaling $4.3M in Garland since 1978. The costliest year was 2008 ($1.5M paid).

Flood-insurance dollars paid by year of loss

1978: $117,134 paid 1979: $0 paid 1980: $0 paid 1982: $31,223 paid 1983: $32,623 paid 1984: $272,152 paid 1986: $288,296 paid 1987: $0 paid 1990: $496,320 paid 1991: $0 paid 1993: $33,559 paid 1995: $10,500 paid 1996: $32,677 paid 1997: $0 paid 1999: $11,000 paid 2000: $0 paid 2001: $3,401 paid 2002: $4,029 paid 2007: $14,869 paid 2008: $1,465,134 paid 2009: $163,218 paid 2010: $38,328 paid 2011: $247,655 paid 2012: $47,766 paid 2013: $132,112 paid 2014: $4,532 paid 2015: $195,249 paid 2016: $83,179 paid 2017: $132,947 paid 2018: $0 paid 2019: $10,167 paid 2020: $76,975 paid 2021: $23,062 paid 2022: $16,420 paid 2023: $35,008 paid 2025: $284,849 paid 2008 · $1.5M 1978 2025
$4.3M
total paid
$15,942
average claim
$299K
largest single claim
66%
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 Garland, AR and where it ranks among U.S. counties. It is not a verdict on whether Garland 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.