Property Atlas

County hazard profile

Chambers, TX

Texas · pop. 46,507 · FIPS 48071

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$30M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Chambers $30M

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 51.84/100
national median ~50 near the national middle (52nd percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 97.26/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Chambers

The National Flood Insurance Program has paid 2,094 flood-insurance claims totaling $129.6M in Chambers since 1979. The costliest year was 2017 ($71.2M paid).

Flood-insurance dollars paid by year of loss

1979: $216,934 paid 1980: $0 paid 1981: $389,152 paid 1982: $0 paid 1983: $956,416 paid 1984: $0 paid 1985: $0 paid 1986: $1,992 paid 1987: $30,284 paid 1988: $12,722 paid 1989: $107,241 paid 1990: $23,470 paid 1991: $6,391 paid 1992: $2,023 paid 1993: $12,643 paid 1994: $674,360 paid 1995: $38,372 paid 1996: $163,264 paid 1998: $211,333 paid 1999: $20,244 paid 2000: $51,874 paid 2001: $212,520 paid 2002: $1,109 paid 2003: $73,289 paid 2004: $324,210 paid 2005: $86,789 paid 2006: $706,891 paid 2007: $95,500 paid 2008: $20,968,326 paid 2009: $675,431 paid 2013: $13,868 paid 2014: $9,519 paid 2015: $17,729 paid 2016: $194,765 paid 2017: $71,173,372 paid 2018: $127,032 paid 2019: $31,473,252 paid 2020: $0 paid 2021: $0 paid 2023: $0 paid 2024: $567,748 paid 2017 · $71.2M 1979 2024
$129.6M
total paid
$61,910
average claim
$514K
largest single claim
20%
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 Chambers, TX and where it ranks among U.S. counties. It is not a verdict on whether Chambers 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.