Property Atlas

County hazard profile

Kleberg, TX

Texas · pop. 30,907 · FIPS 48273

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Kleberg $35M

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 84.41/100
national median ~50 higher than 84% of counties
Social vulnerabilityVery High 88.33/100
national median ~50 higher than 88% of counties
Community resilienceRelatively Low 39.6/100
national median ~50 near the national middle (40th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Kleberg

The National Flood Insurance Program has paid 279 flood-insurance claims totaling $2.2M in Kleberg since 1980. The costliest year was 2021 ($688K paid).

Flood-insurance dollars paid by year of loss

1980: $445,350 paid 1981: $9,309 paid 1982: $3,189 paid 1986: $0 paid 1989: $294 paid 1991: $7,742 paid 1992: $97,766 paid 1993: $545 paid 1995: $1,573 paid 1997: $74,720 paid 1998: $310 paid 1999: $13,878 paid 2001: $4,473 paid 2002: $172,512 paid 2003: $0 paid 2006: $21,146 paid 2007: $49,324 paid 2008: $0 paid 2009: $36,656 paid 2010: $1,881 paid 2013: $0 paid 2014: $78,902 paid 2015: $1,481 paid 2016: $448,068 paid 2018: $0 paid 2020: $0 paid 2021: $687,643 paid 2024: $1,885 paid 2021 · $688K 1980 2024
$2.2M
total paid
$7,737
average claim
$123K
largest single claim
9%
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 Kleberg, TX and where it ranks among U.S. counties. It is not a verdict on whether Kleberg 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.