Property Atlas

County hazard profile

Howard, TX

Texas · pop. 34,838 · FIPS 48227

Relatively Low
FEMA risk rating · RATING
Hail
dominant hazard
$14M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Howard $14M

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 54.8/100
national median ~50 near the national middle (55th percentile)
Social vulnerabilityRelatively High 74.05/100
national median ~50 near the national middle (74th percentile)
Community resilienceRelatively Low 35.78/100
national median ~50 lower than most counties (36th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Howard

The National Flood Insurance Program has paid 30 flood-insurance claims totaling $480K in Howard since 1986. The costliest year was 2023 ($333K paid).

Flood-insurance dollars paid by year of loss

1986: $10,594 paid 1987: $15,295 paid 1990: $0 paid 1991: $16,407 paid 1992: $45,000 paid 1994: $32,159 paid 2000: $1,693 paid 2009: $6,786 paid 2010: $7,562 paid 2011: $11,706 paid 2015: $0 paid 2016: $0 paid 2023: $332,560 paid 2024: $0 paid 2023 · $333K 1986 2024
$480K
total paid
$15,992
average claim
$110K
largest single claim
47%
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 Howard, TX and where it ranks among U.S. counties. It is not a verdict on whether Howard 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.