Property Atlas

County hazard profile

Bastrop, TX

Texas · pop. 97,097 · FIPS 48021

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$43M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Bastrop $43M

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 81.17/100
national median ~50 higher than 81% of counties
Social vulnerabilityRelatively Moderate 43.64/100
national median ~50 near the national middle (44th percentile)
Community resilienceRelatively Low 26.49/100
national median ~50 lower than most counties (26th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bastrop

The National Flood Insurance Program has paid 331 flood-insurance claims totaling $9.9M in Bastrop since 1979. The costliest year was 2015 ($3.3M paid).

Flood-insurance dollars paid by year of loss

1979: $7,279 paid 1980: $2,257 paid 1981: $4,114 paid 1985: $16,447 paid 1986: $0 paid 1987: $13,001 paid 1989: $12,102 paid 1991: $328,493 paid 1996: $0 paid 1998: $795,279 paid 2001: $28,679 paid 2003: $5,228 paid 2004: $262,101 paid 2006: $3,904 paid 2007: $169,231 paid 2009: $0 paid 2012: $218,842 paid 2013: $47,866 paid 2014: $3,434 paid 2015: $3,311,793 paid 2016: $3,140,783 paid 2017: $1,483,431 paid 2018: $9,119 paid 2021: $62,321 paid 2022: $0 paid 2015 · $3.3M 1979 2022
$9.9M
total paid
$29,987
average claim
$235K
largest single claim
45%
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 Bastrop, TX and where it ranks among U.S. counties. It is not a verdict on whether Bastrop 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.