Property Atlas

County hazard profile

Jefferson, TX

Texas · pop. 256,386 · FIPS 48245

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$141M
modeled expected annual loss/yr

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

near the national middle (43rd percentile)

national median $15M/yr Jefferson $141M

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 High 95.67/100
national median ~50 among the highest nationally
Social vulnerabilityVery High 84.1/100
national median ~50 higher than 84% of counties
Community resilienceRelatively High 64.82/100
national median ~50 near the national middle (65th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Jefferson

The National Flood Insurance Program has paid 22,637 flood-insurance claims totaling $1.19B in Jefferson since 1978. The costliest year was 2017 ($774.1M paid).

Flood-insurance dollars paid by year of loss

1978: $225 paid 1979: $5,071,420 paid 1980: $5,865,153 paid 1981: $38,904 paid 1982: $348,444 paid 1983: $1,373,866 paid 1984: $65,726 paid 1985: $38,271 paid 1986: $93,521 paid 1987: $2,124,251 paid 1988: $42,477 paid 1989: $5,014,582 paid 1990: $187,598 paid 1991: $257,389 paid 1992: $72,656 paid 1993: $286,305 paid 1994: $10,955,136 paid 1995: $779,365 paid 1996: $1,713,158 paid 1997: $34,141 paid 1998: $580,085 paid 1999: $24,562 paid 2000: $1,644,498 paid 2001: $13,580,585 paid 2002: $10,925,720 paid 2003: $2,147,193 paid 2004: $480,115 paid 2005: $38,825,373 paid 2006: $3,031,719 paid 2007: $533,334 paid 2008: $65,318,439 paid 2009: $419,582 paid 2010: $2,866 paid 2011: $147,359 paid 2012: $67,306 paid 2013: $335,765 paid 2014: $2,549,424 paid 2015: $1,297,286 paid 2016: $569,890 paid 2017: $774,115,980 paid 2018: $1,963,798 paid 2019: $229,174,262 paid 2020: $957,261 paid 2021: $2,926,422 paid 2022: $529,461 paid 2023: $383,944 paid 2024: $657,451 paid 2025: $205,748 paid 2017 · $774.1M 1978 2025
$1.19B
total paid
$52,470
average claim
$1.0M
largest single claim
23%
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 Jefferson, TX and where it ranks among U.S. counties. It is not a verdict on whether Jefferson 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.