Property Atlas

County hazard profile

Bowie, TX

Texas · pop. 92,789 · FIPS 48037

Relatively Low
FEMA risk rating · RATING
Hail
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 Bowie $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 79.01/100
national median ~50 higher than 79% of counties
Social vulnerabilityRelatively High 63.77/100
national median ~50 near the national middle (64th percentile)
Community resilienceRelatively Moderate 50.19/100
national median ~50 near the national middle (50th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bowie

The National Flood Insurance Program has paid 242 flood-insurance claims totaling $5.2M in Bowie since 1978. The costliest year was 2015 ($1.5M paid).

Flood-insurance dollars paid by year of loss

1978: $9,976 paid 1979: $18,201 paid 1980: $5,103 paid 1981: $1,143 paid 1982: $69,308 paid 1983: $6,256 paid 1984: $3,724 paid 1985: $21,109 paid 1986: $0 paid 1987: $37,610 paid 1988: $29,547 paid 1989: $79,931 paid 1990: $212,612 paid 1992: $36,310 paid 1993: $6,688 paid 1994: $70,553 paid 1996: $4,573 paid 1997: $1,963 paid 1998: $246,563 paid 2000: $4,102 paid 2001: $283,877 paid 2003: $147,700 paid 2004: $13,890 paid 2005: $0 paid 2008: $43,754 paid 2009: $303,752 paid 2010: $6,060 paid 2011: $0 paid 2012: $3,810 paid 2013: $12,792 paid 2014: $10,577 paid 2015: $1,536,692 paid 2016: $1,421 paid 2018: $698 paid 2019: $19,692 paid 2020: $44,671 paid 2021: $834,612 paid 2023: $74,172 paid 2024: $486,716 paid 2025: $482,543 paid 2015 · $1.5M 1978 2025
$5.2M
total paid
$21,375
average claim
$289K
largest single claim
56%
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 Bowie, TX and where it ranks among U.S. counties. It is not a verdict on whether Bowie 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.