Property Atlas

County hazard profile

Bell, TX

Texas · pop. 369,846 · FIPS 48027

Relatively Moderate
FEMA risk rating · RATING
Hail
dominant hazard
$107M
modeled expected annual loss/yr

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

lower than most counties (33rd percentile)

national median $15M/yr Bell $107M

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 91.13/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 29.93/100
national median ~50 lower than most counties (30th percentile)
Community resilienceRelatively High 60.85/100
national median ~50 near the national middle (61st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bell

The National Flood Insurance Program has paid 497 flood-insurance claims totaling $14.4M in Bell since 1979. The costliest year was 2010 ($8.8M paid).

Flood-insurance dollars paid by year of loss

1979: $4,205 paid 1980: $5,699 paid 1981: $798 paid 1982: $917 paid 1983: $84 paid 1984: $568 paid 1985: $0 paid 1986: $72,148 paid 1988: $0 paid 1990: $5,637 paid 1991: $109,006 paid 1992: $3,211 paid 1993: $4,379 paid 1994: $12,150 paid 1996: $1,818 paid 1997: $69,029 paid 1998: $319,533 paid 2000: $4,793 paid 2001: $233,321 paid 2003: $5,774 paid 2004: $41,119 paid 2005: $118,384 paid 2006: $39,802 paid 2007: $978,438 paid 2008: $43,095 paid 2009: $949,252 paid 2010: $8,757,152 paid 2011: $4,221 paid 2012: $107,666 paid 2013: $5,057 paid 2014: $73,696 paid 2015: $578,309 paid 2016: $249,289 paid 2017: $444,395 paid 2018: $45,009 paid 2019: $390,126 paid 2020: $1,185 paid 2021: $24,552 paid 2022: $45,443 paid 2023: $30,000 paid 2024: $580,122 paid 2025: $28,247 paid 2010 · $8.8M 1979 2025
$14.4M
total paid
$28,949
average claim
$358K
largest single claim
36%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Bell, TX and where it ranks among U.S. counties. It is not a verdict on whether Bell 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.