Property Atlas

County hazard profile

Fort Bend, TX

Texas · pop. 822,581 · FIPS 48157

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$346M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Fort Bend $346M

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 97.46/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 16.98/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 70.13/100
national median ~50 near the national middle (70th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Fort Bend

The National Flood Insurance Program has paid 7,388 flood-insurance claims totaling $450.9M in Fort Bend since 1978. The costliest year was 2017 ($364.1M paid).

Flood-insurance dollars paid by year of loss

1978: $2,560 paid 1979: $482,713 paid 1980: $10,608 paid 1981: $53,227 paid 1982: $10,577 paid 1983: $436,383 paid 1984: $7,641 paid 1985: $121,094 paid 1986: $322 paid 1987: $21,256 paid 1988: $0 paid 1989: $338,295 paid 1991: $1,425,031 paid 1992: $425,188 paid 1993: $134,032 paid 1994: $5,577,854 paid 1995: $18,249 paid 1996: $506 paid 1997: $571,474 paid 1998: $810,499 paid 1999: $169,511 paid 2000: $22,657 paid 2001: $1,529,322 paid 2002: $334,381 paid 2003: $298,294 paid 2004: $98,138 paid 2005: $64,746 paid 2006: $389,000 paid 2007: $226,696 paid 2008: $677,921 paid 2009: $586,252 paid 2010: $146,831 paid 2011: $0 paid 2012: $1,925,553 paid 2013: $439,343 paid 2014: $136,273 paid 2015: $6,330,671 paid 2016: $45,816,414 paid 2017: $364,092,046 paid 2018: $87,362 paid 2019: $12,901,405 paid 2020: $629,187 paid 2021: $618,807 paid 2022: $22,951 paid 2023: $34,685 paid 2024: $2,878,427 paid 2025: $0 paid 2026: $0 paid 2017 · $364.1M 1978 2026
$450.9M
total paid
$61,032
average claim
$1.0M
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 Fort Bend, TX and where it ranks among U.S. counties. It is not a verdict on whether Fort Bend 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.