Property Atlas

County hazard profile

Harrison, TX

Texas · pop. 68,645 · FIPS 48203

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$29M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Harrison $29M

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 77.7/100
national median ~50 higher than 78% of counties
Social vulnerabilityRelatively High 73.73/100
national median ~50 near the national middle (74th percentile)
Community resilienceRelatively Low 33.33/100
national median ~50 lower than most counties (33rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Harrison

The National Flood Insurance Program has paid 258 flood-insurance claims totaling $5.6M in Harrison since 1979. The costliest year was 2016 ($3.0M paid).

Flood-insurance dollars paid by year of loss

1979: $4,857 paid 1980: $1,700 paid 1981: $3,008 paid 1983: $3,766 paid 1987: $48,323 paid 1989: $152,873 paid 1990: $0 paid 1991: $229,458 paid 1993: $52,447 paid 1994: $0 paid 1997: $198,366 paid 2001: $201,085 paid 2002: $28,273 paid 2003: $38,077 paid 2006: $0 paid 2007: $51,968 paid 2008: $1,491 paid 2009: $714,339 paid 2010: $0 paid 2013: $30,919 paid 2015: $352,490 paid 2016: $2,981,024 paid 2019: $416,689 paid 2021: $15,693 paid 2024: $29,182 paid 2026: $0 paid 2016 · $3.0M 1979 2026
$5.6M
total paid
$21,535
average claim
$195K
largest single claim
64%
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 Harrison, TX and where it ranks among U.S. counties. It is not a verdict on whether Harrison 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.