Property Atlas

County hazard profile

Henderson, TX

Texas · pop. 81,982 · FIPS 48213

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$37M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Henderson $37M

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 84.54/100
national median ~50 higher than 85% of counties
Social vulnerabilityVery High 83.24/100
national median ~50 higher than 83% of counties
Community resilienceRelatively Low 38.61/100
national median ~50 lower than most counties (39th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Henderson

The National Flood Insurance Program has paid 84 flood-insurance claims totaling $2.9M in Henderson since 1980. The costliest year was 2015 ($746K paid).

Flood-insurance dollars paid by year of loss

1980: $9,077 paid 1991: $30,848 paid 1995: $6,695 paid 1998: $43,947 paid 1999: $0 paid 2000: $0 paid 2001: $93,547 paid 2002: $2,921 paid 2004: $174,000 paid 2005: $0 paid 2006: $2,501 paid 2007: $220,722 paid 2008: $2,728 paid 2009: $8,131 paid 2010: $414,856 paid 2012: $386,365 paid 2013: $887 paid 2014: $0 paid 2015: $746,175 paid 2016: $287,290 paid 2017: $40,363 paid 2018: $0 paid 2019: $59,396 paid 2020: $52,226 paid 2021: $86,300 paid 2022: $140,253 paid 2024: $5,735 paid 2025: $96,316 paid 2015 · $746K 1980 2025
$2.9M
total paid
$34,658
average claim
$318K
largest single claim
17%
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 Henderson, TX and where it ranks among U.S. counties. It is not a verdict on whether Henderson 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.