Property Atlas

County hazard profile

Hays, TX

Texas · pop. 240,800 · FIPS 48209

Relatively Moderate
FEMA risk rating · RATING
Hail
dominant hazard
$109M
modeled expected annual loss/yr

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

lower than most counties (34th percentile)

national median $15M/yr Hays $109M

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 90.55/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 15.43/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 57.54/100
national median ~50 near the national middle (58th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hays

The National Flood Insurance Program has paid 1,489 flood-insurance claims totaling $71.7M in Hays since 1979. The costliest year was 2015 ($59.1M paid).

Flood-insurance dollars paid by year of loss

1979: $66,739 paid 1980: $0 paid 1981: $998,856 paid 1983: $0 paid 1985: $157,128 paid 1986: $2,052 paid 1987: $14,737 paid 1989: $0 paid 1990: $0 paid 1991: $6,415 paid 1992: $2,773 paid 1997: $430,625 paid 1998: $3,586,618 paid 2000: $6,797 paid 2001: $1,114,331 paid 2002: $121,630 paid 2004: $77,287 paid 2006: $0 paid 2007: $184,625 paid 2009: $17,772 paid 2010: $97,728 paid 2012: $36,996 paid 2013: $3,014,518 paid 2014: $0 paid 2015: $59,053,590 paid 2016: $285,426 paid 2017: $648,164 paid 2018: $13,060 paid 2019: $1,644,210 paid 2020: $9,198 paid 2021: $122,172 paid 2022: $0 paid 2023: $0 paid 2024: $0 paid 2015 · $59.1M 1979 2024
$71.7M
total paid
$48,162
average claim
$1.0M
largest single claim
68%
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 Hays, TX and where it ranks among U.S. counties. It is not a verdict on whether Hays 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.