Property Atlas

County hazard profile

Cooke, TX

Texas · pop. 41,622 · FIPS 48097

Relatively Low
FEMA risk rating · RATING
Drought
dominant hazard
$28M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Cooke $28M

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 73.31/100
national median ~50 near the national middle (73rd percentile)
Social vulnerabilityRelatively Moderate 53.21/100
national median ~50 near the national middle (53rd percentile)
Community resilienceRelatively Low 25.92/100
national median ~50 lower than most counties (26th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cooke

The National Flood Insurance Program has paid 370 flood-insurance claims totaling $10.5M in Cooke since 1981. The costliest year was 2007 ($6.3M paid).

Flood-insurance dollars paid by year of loss

1981: $421,820 paid 1982: $1,647 paid 1985: $0 paid 1986: $3,976 paid 1987: $3,863 paid 1988: $3,999 paid 1989: $689,997 paid 1990: $457,906 paid 1992: $2,154 paid 1993: $289,608 paid 1994: $7,756 paid 1997: $91,755 paid 1999: $1,268 paid 2002: $0 paid 2007: $6,295,791 paid 2009: $1,019,227 paid 2010: $0 paid 2011: $0 paid 2015: $715,236 paid 2016: $34,767 paid 2017: $350,000 paid 2018: $5,144 paid 2020: $83,663 paid 2007 · $6.3M 1981 2020
$10.5M
total paid
$28,323
average claim
$350K
largest single claim
69%
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 Cooke, TX and where it ranks among U.S. counties. It is not a verdict on whether Cooke 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.