Property Atlas

County hazard profile

Austin, TX

Texas · pop. 30,013 · FIPS 48015

Relatively Low
FEMA risk rating · RATING
Drought
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 Austin $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 indexRelatively Low 53.15/100
national median ~50 near the national middle (53rd percentile)
Social vulnerabilityRelatively High 63.23/100
national median ~50 near the national middle (63rd percentile)
Community resilienceRelatively Low 39.15/100
national median ~50 lower than most counties (39th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Austin

The National Flood Insurance Program has paid 326 flood-insurance claims totaling $14.2M in Austin since 1983. The costliest year was 2016 ($8.4M paid).

Flood-insurance dollars paid by year of loss

1983: $1,375 paid 1985: $12,818 paid 1991: $6,360 paid 1992: $0 paid 1993: $90,690 paid 1994: $370,385 paid 1997: $36,828 paid 1998: $625,746 paid 2004: $252,813 paid 2007: $41,248 paid 2009: $21,922 paid 2012: $0 paid 2013: $86,259 paid 2015: $178,786 paid 2016: $8,355,017 paid 2017: $3,413,185 paid 2019: $323,502 paid 2021: $347,335 paid 2023: $2,187 paid 2024: $0 paid 2016 · $8.4M 1983 2024
$14.2M
total paid
$43,455
average claim
$656K
largest single claim
61%
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 Austin, TX and where it ranks among U.S. counties. It is not a verdict on whether Austin 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.