Property Atlas

County hazard profile

Grayson, TX

Texas · pop. 135,451 · FIPS 48181

Relatively Low
FEMA risk rating · RATING
Hail
dominant hazard
$43M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Grayson $43M

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 80.31/100
national median ~50 higher than 80% of counties
Social vulnerabilityRelatively Low 38.74/100
national median ~50 lower than most counties (39th percentile)
Community resilienceRelatively Moderate 44.24/100
national median ~50 near the national middle (44th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Grayson

The National Flood Insurance Program has paid 743 flood-insurance claims totaling $18.3M in Grayson since 1979. The costliest year was 2007 ($6.2M paid).

Flood-insurance dollars paid by year of loss

1979: $4,398 paid 1980: $6,219 paid 1981: $814,745 paid 1982: $105,780 paid 1983: $768 paid 1984: $107,947 paid 1985: $23,429 paid 1986: $1,152,409 paid 1987: $618 paid 1988: $0 paid 1989: $22,636 paid 1990: $294,030 paid 1991: $16,123 paid 1993: $279,758 paid 1995: $106,336 paid 2000: $38,202 paid 2001: $14,369 paid 2005: $0 paid 2006: $6,855 paid 2007: $6,177,683 paid 2009: $127,012 paid 2010: $14,796 paid 2012: $0 paid 2013: $0 paid 2015: $5,949,414 paid 2016: $19,843 paid 2017: $2,211,310 paid 2018: $79,483 paid 2019: $36,633 paid 2020: $39,307 paid 2021: $21,635 paid 2022: $949 paid 2023: $100,075 paid 2024: $139,918 paid 2025: $381,505 paid 2007 · $6.2M 1979 2025
$18.3M
total paid
$24,622
average claim
$564K
largest single claim
65%
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 Grayson, TX and where it ranks among U.S. counties. It is not a verdict on whether Grayson 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.