Property Atlas

County hazard profile

Hardin, TX

Texas · pop. 56,129 · FIPS 48199

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$27M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Hardin $27M

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 69.56/100
national median ~50 near the national middle (70th percentile)
Social vulnerabilityRelatively Moderate 44.59/100
national median ~50 near the national middle (45th percentile)
Community resilienceRelatively Moderate 49.46/100
national median ~50 near the national middle (49th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hardin

The National Flood Insurance Program has paid 2,388 flood-insurance claims totaling $190.6M in Hardin since 1978. The costliest year was 2017 ($155.4M paid).

Flood-insurance dollars paid by year of loss

1978: $6,399 paid 1979: $1,079,964 paid 1980: $46,906 paid 1981: $18,752 paid 1982: $19,312 paid 1983: $188,053 paid 1984: $3,718 paid 1985: $0 paid 1986: $82,120 paid 1987: $154,094 paid 1989: $2,080,416 paid 1990: $11,395 paid 1991: $46,127 paid 1992: $30,183 paid 1993: $41,538 paid 1994: $10,357,899 paid 1995: $19,171 paid 1996: $2,478 paid 1997: $1,039 paid 1998: $93,730 paid 1999: $17,796 paid 2000: $2,260 paid 2001: $1,843,320 paid 2002: $585,505 paid 2003: $162,459 paid 2004: $20,424 paid 2005: $2,988,650 paid 2006: $5,949,723 paid 2007: $675,562 paid 2008: $335,532 paid 2009: $0 paid 2011: $19,287 paid 2012: $8,603 paid 2013: $173,524 paid 2014: $43,540 paid 2015: $2,587,735 paid 2016: $1,017,537 paid 2017: $155,397,377 paid 2018: $113,060 paid 2019: $1,649,785 paid 2020: $3,421 paid 2021: $22,826 paid 2022: $65,106 paid 2023: $153,092 paid 2024: $2,349,620 paid 2025: $126,303 paid 2017 · $155.4M 1978 2025
$190.6M
total paid
$79,814
average claim
$517K
largest single claim
35%
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 Hardin, TX and where it ranks among U.S. counties. It is not a verdict on whether Hardin 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.