Property Atlas

County hazard profile

Gonzales, TX

Texas · pop. 19,595 · FIPS 48177

Relatively Moderate
FEMA risk rating · RATING
Hail
dominant hazard
$37M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Gonzales $37M

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 85.66/100
national median ~50 higher than 86% of counties
Social vulnerabilityVery High 90.17/100
national median ~50 among the highest nationally
Community resilienceVery Low 16.06/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Gonzales

The National Flood Insurance Program has paid 219 flood-insurance claims totaling $6.4M in Gonzales since 1978. The costliest year was 1998 ($3.5M paid).

Flood-insurance dollars paid by year of loss

1978: $17,500 paid 1979: $2,049 paid 1980: $295 paid 1981: $47,893 paid 1985: $574 paid 1986: $270 paid 1987: $25,692 paid 1989: $0 paid 1991: $10,803 paid 1992: $26,741 paid 1998: $3,452,357 paid 2001: $1,132 paid 2002: $590,739 paid 2003: $2,458 paid 2004: $1,464,071 paid 2006: $16,968 paid 2007: $211,253 paid 2012: $0 paid 2015: $97,332 paid 2017: $182,385 paid 2021: $219,275 paid 2023: $15,096 paid 2024: $19,684 paid 1998 · $3.5M 1978 2024
$6.4M
total paid
$29,245
average claim
$886K
largest single claim
74%
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 Gonzales, TX and where it ranks among U.S. counties. It is not a verdict on whether Gonzales 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.