Property Atlas

County hazard profile

Lamar, TX

Texas · pop. 50,073 · FIPS 48277

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$32M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lamar $32M

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 79.55/100
national median ~50 higher than 80% of counties
Social vulnerabilityRelatively High 72.46/100
national median ~50 near the national middle (72nd percentile)
Community resilienceRelatively Moderate 44.53/100
national median ~50 near the national middle (45th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lamar

The National Flood Insurance Program has paid 130 flood-insurance claims totaling $2.1M in Lamar since 1979. The costliest year was 2016 ($635K paid).

Flood-insurance dollars paid by year of loss

1979: $3,066 paid 1980: $3,348 paid 1982: $7,639 paid 1989: $11,118 paid 1992: $4,706 paid 1994: $7,847 paid 1996: $5,379 paid 1998: $833 paid 1999: $5,624 paid 2000: $674 paid 2001: $6,450 paid 2002: $30,727 paid 2006: $2,099 paid 2007: $9,506 paid 2008: $32,674 paid 2009: $4,175 paid 2010: $58,289 paid 2011: $18,146 paid 2012: $60,630 paid 2013: $8,578 paid 2014: $18,228 paid 2015: $36,264 paid 2016: $635,314 paid 2017: $482,685 paid 2018: $151,510 paid 2019: $9,036 paid 2020: $348 paid 2021: $46,200 paid 2022: $155,118 paid 2023: $1,412 paid 2024: $211,563 paid 2025: $116,769 paid 2016 · $635K 1979 2025
$2.1M
total paid
$16,507
average claim
$109K
largest single claim
69%
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 Lamar, TX and where it ranks among U.S. counties. It is not a verdict on whether Lamar 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.