---
title: Henderson, TX — natural hazard risk profile & national ranking
source: FEMA National Risk Index (county-level)
sourceUrl: https://hazards.fema.gov/nri/
fips: 48213
---

# Henderson, TX

Texas · pop. 81,982 · FIPS 48213

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

These risk dimensions are FEMA/CDC MODELS (a rating, not records of disasters); population is a recorded census figure.

## Where Henderson ranks among 3,232 U.S. counties

Each rank is COMPUTED — the county's modeled score placed within the national distribution. A rank within a model, not within observed disasters.

| Dimension | This county | National rank |
| --- | --- | --- |
| FEMA risk index | 84.54 | ≈ 85th pct — higher than 85% of counties (national median 50.02, n=3,144) |
| Expected annual loss | $37M | ≈ 12th pct — among the lowest nationally (national median $15M, n=3,232) |
| Social vulnerability | 83.24 | ≈ 83rd pct — higher than 83% of counties (national median 50.03, n=3,144) |
| Community resilience | 38.61 | ≈ 39th pct — lower than most counties (39th percentile) (national median 50.02, n=3,144) |

## Realized flood losses in Henderson (RECORDED — NFIP claims)

The National Flood Insurance Program has paid **84** flood-insurance claims totaling **$3M** in Henderson since 1980. The costliest year of loss was **2015** ($746,175 paid).

| Metric | Value |
| --- | --- |
| Total claims paid | $2,911,277 |
| Claims | 84 |
| Average claim | $34,658 |
| Largest single claim | $317,500 |
| Claims since 2000 | 76 |
| In high-risk flood zones (A/V) | 17% |

These are **RECORDED** actual paid NFIP claims (a redacted census from OpenFEMA), not a model — the realized counterpart to the FEMA risk score above. **Scope:** flood-*insurance* claims UNDERCOUNT flooding where owners were uninsured ("what NFIP paid," not "every flood"); county-level totals, not a per-property verdict. Source: OpenFEMA NFIP Redacted Claims v2 (`src:openfema:nfip-claims-v2:2026`). Verify an address and buy coverage at https://www.floodsmart.gov/.

## What this is — and is NOT (interpretation)

This is FEMA/CDC **modeled** hazard exposure for Henderson, TX and its national rank. It is **not** a verdict on whether Henderson is a good or bad place to live (hazard exposure is not place quality), **not** a per-property or per-address assessment, **not** a prediction of any specific disaster, and **not** insurance advice. For site-specific risk use a per-property assessment; for the model see https://hazards.fema.gov/nri/.

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Structured data (JSON-LD), with each figure's status labeled: `/property/counties/48213.jsonld`