Property Atlas

County hazard profile

Kerr, TX

Texas · pop. 52,529 · FIPS 48265

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$25M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Kerr $25M

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 77.16/100
national median ~50 higher than 77% of counties
Social vulnerabilityVery High 86.16/100
national median ~50 higher than 86% of counties
Community resilienceRelatively Low 32.06/100
national median ~50 lower than most counties (32nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Kerr

The National Flood Insurance Program has paid 310 flood-insurance claims totaling $19.6M in Kerr since 1978. The costliest year was 2025 ($17.6M paid).

Flood-insurance dollars paid by year of loss

1978: $49,845 paid 1979: $11,224 paid 1980: $0 paid 1981: $1,327 paid 1984: $0 paid 1985: $25,302 paid 1986: $17,944 paid 1987: $259,102 paid 1988: $5,942 paid 1991: $220 paid 1992: $115 paid 1993: $1,165 paid 1994: $101 paid 1996: $84,789 paid 1997: $0 paid 1998: $0 paid 2000: $204,016 paid 2001: $6,606 paid 2002: $784,108 paid 2003: $0 paid 2004: $5,401 paid 2005: $16,285 paid 2006: $0 paid 2007: $133,810 paid 2008: $0 paid 2012: $30,615 paid 2014: $4,052 paid 2015: $7,942 paid 2016: $131,601 paid 2017: $0 paid 2018: $2,380 paid 2019: $9,916 paid 2020: $23,526 paid 2024: $201,339 paid 2025: $17,630,811 paid 2025 · $17.6M 1978 2025
$19.6M
total paid
$63,385
average claim
$447K
largest single claim
61%
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 Kerr, TX and where it ranks among U.S. counties. It is not a verdict on whether Kerr 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.