Property Atlas

County hazard profile

Houston, MN

Minnesota · pop. 18,807 · FIPS 27055

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$14M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Houston $14M

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 indexVery Low 29.52/100
national median ~50 lower than most counties (30th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 63.99/100
national median ~50 near the national middle (64th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Houston

The National Flood Insurance Program has paid 78 flood-insurance claims totaling $1.1M in Houston since 1978. The costliest year was 2001 ($528K paid).

Flood-insurance dollars paid by year of loss

1978: $15,000 paid 1979: $0 paid 1980: $197 paid 1982: $1,179 paid 1983: $0 paid 1990: $0 paid 1993: $106,872 paid 1994: $5,116 paid 1997: $44,682 paid 2000: $20,023 paid 2001: $527,697 paid 2005: $1,000 paid 2007: $289,080 paid 2010: $0 paid 2011: $42,423 paid 2013: $1,801 paid 2014: $28,648 paid 2019: $0 paid 2023: $24,764 paid 2024: $0 paid 2001 · $528K 1978 2024
$1.1M
total paid
$14,211
average claim
$192K
largest single claim
88%
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, MN 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.