Property Atlas

County hazard profile

Ellis, TX

Texas · pop. 192,122 · FIPS 48139

Relatively Moderate
FEMA risk rating · RATING
Hail
dominant hazard
$47M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Ellis $47M

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 81.62/100
national median ~50 higher than 82% of counties
Social vulnerabilityRelatively Low 35.31/100
national median ~50 lower than most counties (35th percentile)
Community resilienceRelatively High 75.29/100
national median ~50 higher than 75% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Ellis

The National Flood Insurance Program has paid 157 flood-insurance claims totaling $6.0M in Ellis since 1979. The costliest year was 2018 ($3.9M paid).

Flood-insurance dollars paid by year of loss

1979: $40,252 paid 1981: $3,935 paid 1982: $800 paid 1984: $5,148 paid 1985: $0 paid 1987: $0 paid 1989: $67,421 paid 1990: $477 paid 1991: $1,223 paid 1992: $4,302 paid 1993: $1,774 paid 1994: $0 paid 1995: $16,876 paid 1996: $1,822 paid 1997: $5,521 paid 1998: $7,017 paid 2000: $172,385 paid 2001: $26,592 paid 2002: $0 paid 2004: $429,853 paid 2006: $0 paid 2007: $212,926 paid 2008: $56,531 paid 2009: $11,509 paid 2014: $0 paid 2015: $140,090 paid 2016: $43,432 paid 2017: $0 paid 2018: $3,851,834 paid 2020: $56,759 paid 2021: $10,081 paid 2022: $555,055 paid 2024: $233,469 paid 2025: $30,230 paid 2018 · $3.9M 1979 2025
$6.0M
total paid
$38,136
average claim
$350K
largest single claim
27%
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 Ellis, TX and where it ranks among U.S. counties. It is not a verdict on whether Ellis 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.