Property Atlas

County hazard profile

Denton, TX

Texas · pop. 906,057 · FIPS 48121

Relatively High
FEMA risk rating · RATING
Tornado
dominant hazard
$355M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Denton $355M

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 High 96.91/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively Low 37.15/100
national median ~50 lower than most counties (37th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Denton

The National Flood Insurance Program has paid 556 flood-insurance claims totaling $10.5M in Denton since 1979. The costliest year was 2007 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1979: $3,510 paid 1980: $79,760 paid 1981: $44,060 paid 1982: $80,358 paid 1983: $6,302 paid 1984: $0 paid 1985: $61,239 paid 1986: $26,534 paid 1987: $22,063 paid 1989: $188,309 paid 1990: $437,830 paid 1991: $0 paid 1992: $0 paid 1993: $2,163 paid 1994: $200,428 paid 1995: $28,395 paid 1996: $56,488 paid 1997: $15,560 paid 1998: $5,326 paid 2000: $0 paid 2001: $10,614 paid 2002: $10,586 paid 2003: $16,315 paid 2004: $95,979 paid 2005: $0 paid 2006: $54,162 paid 2007: $2,046,332 paid 2008: $25,235 paid 2009: $177,053 paid 2010: $1,514,503 paid 2011: $8,215 paid 2012: $46,248 paid 2013: $0 paid 2014: $280,109 paid 2015: $1,401,673 paid 2016: $230,518 paid 2017: $113,300 paid 2018: $1,270,567 paid 2019: $316,166 paid 2020: $740,961 paid 2021: $14,739 paid 2022: $231,328 paid 2023: $55,439 paid 2024: $105,121 paid 2025: $436,607 paid 2007 · $2.0M 1979 2025
$10.5M
total paid
$18,813
average claim
$500K
largest single claim
43%
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 Denton, TX and where it ranks among U.S. counties. It is not a verdict on whether Denton 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.