Property Atlas

County hazard profile

Freestone, TX

Texas · pop. 19,384 · FIPS 48161

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Freestone $13M

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 56.52/100
national median ~50 near the national middle (57th percentile)
Social vulnerabilityVery High 82.35/100
national median ~50 higher than 82% of counties
Community resilienceRelatively Low 30.6/100
national median ~50 lower than most counties (31st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Freestone

The National Flood Insurance Program has paid 17 flood-insurance claims totaling $587K in Freestone since 1979. The costliest year was 2013 ($237K paid).

Flood-insurance dollars paid by year of loss

1979: $13,018 paid 1983: $26,960 paid 1986: $4,539 paid 2004: $2,819 paid 2007: $1,091 paid 2008: $0 paid 2013: $237,235 paid 2015: $0 paid 2016: $141,344 paid 2019: $131,960 paid 2021: $28,428 paid 2013 · $237K 1979 2021
$587K
total paid
$34,553
average claim
$181K
largest single claim
18%
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 Freestone, TX and where it ranks among U.S. counties. It is not a verdict on whether Freestone 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.