Property Atlas

County hazard profile

Jim Wells, TX

Texas · pop. 38,813 · FIPS 48249

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$38M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Jim Wells $38M

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 86.51/100
national median ~50 higher than 87% of counties
Social vulnerabilityVery High 93.32/100
national median ~50 among the highest nationally
Community resilienceVery Low 18.38/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Jim Wells

The National Flood Insurance Program has paid 187 flood-insurance claims totaling $1.6M in Jim Wells since 1980. The costliest year was 2015 ($743K paid).

Flood-insurance dollars paid by year of loss

1980: $42,874 paid 1981: $3,217 paid 1982: $0 paid 1985: $7,350 paid 1986: $1,530 paid 1987: $40,688 paid 1990: $838 paid 1994: $11,073 paid 1995: $0 paid 1997: $12,733 paid 1998: $15,290 paid 1999: $24,425 paid 2000: $5,970 paid 2001: $118,807 paid 2002: $63,936 paid 2003: $6,051 paid 2004: $1,591 paid 2005: $9,035 paid 2006: $20,296 paid 2007: $301,175 paid 2008: $22,761 paid 2010: $87,944 paid 2013: $4,398 paid 2014: $3,533 paid 2015: $743,364 paid 2016: $10,861 paid 2017: $0 paid 2018: $68,455 paid 2020: $0 paid 2021: $0 paid 2015 · $743K 1980 2021
$1.6M
total paid
$8,707
average claim
$203K
largest single claim
43%
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 Jim Wells, TX and where it ranks among U.S. counties. It is not a verdict on whether Jim Wells 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.