Property Atlas

County hazard profile

Houston, GA

Georgia · pop. 163,485 · FIPS 13153

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$33M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Houston $33M

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 70.48/100
national median ~50 near the national middle (70th percentile)
Social vulnerabilityRelatively Low 22.42/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 65.68/100
national median ~50 near the national middle (66th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Houston

The National Flood Insurance Program has paid 161 flood-insurance claims totaling $1.9M in Houston since 1979. The costliest year was 1994 ($1.0M paid).

Flood-insurance dollars paid by year of loss

1979: $55,000 paid 1980: $27 paid 1983: $1,152 paid 1989: $0 paid 1992: $0 paid 1994: $1,046,433 paid 1995: $3,295 paid 1997: $0 paid 1998: $0 paid 1999: $1,249 paid 2002: $0 paid 2003: $6,331 paid 2004: $75,162 paid 2005: $40,360 paid 2007: $0 paid 2009: $284,300 paid 2010: $1,753 paid 2011: $3,159 paid 2012: $7,558 paid 2013: $2,543 paid 2015: $1,123 paid 2016: $0 paid 2020: $390,933 paid 2021: $11,073 paid 2022: $2,048 paid 2023: $0 paid 2024: $5,184 paid 2025: $4,386 paid 1994 · $1.0M 1979 2025
$1.9M
total paid
$12,069
average claim
$109K
largest single claim
68%
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 Houston, GA and where it ranks among U.S. counties. It is not a verdict on whether Houston 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.