Property Atlas

County hazard profile

Harris, TX

Texas · pop. 4,726,200 · FIPS 48201

Very High
FEMA risk rating · RATING
Hurricane
dominant hazard
$2.2B
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Harris $2.2B

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 indexVery High 99.94/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 67.94/100
national median ~50 near the national middle (68th percentile)
Community resilienceVery Low 17.88/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Harris

The National Flood Insurance Program has paid 170,803 flood-insurance claims totaling $8.76B in Harris since 1978. The costliest year was 2017 ($5.38B paid).

Flood-insurance dollars paid by year of loss

1978: $448,221 paid 1979: $71,549,087 paid 1980: $1,642,444 paid 1981: $29,852,002 paid 1982: $1,549,337 paid 1983: $89,175,263 paid 1984: $15,974,557 paid 1985: $3,384,448 paid 1986: $852,051 paid 1987: $3,050,892 paid 1988: $103,199 paid 1989: $83,645,091 paid 1990: $254,481 paid 1991: $2,046,494 paid 1992: $52,260,783 paid 1993: $4,157,967 paid 1994: $98,665,505 paid 1995: $1,304,893 paid 1996: $4,889,893 paid 1997: $17,106,326 paid 1998: $78,823,237 paid 1999: $4,577,940 paid 2000: $1,704,038 paid 2001: $873,671,252 paid 2002: $75,809,572 paid 2003: $33,689,160 paid 2004: $2,215,391 paid 2005: $2,811,199 paid 2006: $56,356,471 paid 2007: $31,205,217 paid 2008: $424,785,039 paid 2009: $140,634,236 paid 2010: $2,388,321 paid 2011: $87,159 paid 2012: $17,787,607 paid 2013: $6,377,090 paid 2014: $3,179,536 paid 2015: $396,853,781 paid 2016: $445,969,927 paid 2017: $5,382,523,806 paid 2018: $3,117,087 paid 2019: $222,941,102 paid 2020: $6,502,438 paid 2021: $3,700,352 paid 2022: $2,583,027 paid 2023: $2,738,336 paid 2024: $54,007,350 paid 2025: $866,648 paid 2026: $615,231 paid 2017 · $5.38B 1978 2026
$8.76B
total paid
$51,290
average claim
$9.0M
largest single claim
44%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Harris, TX and where it ranks among U.S. counties. It is not a verdict on whether Harris 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.