Property Atlas

County hazard profile

Limestone, TX

Texas · pop. 22,127 · FIPS 48293

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Limestone $13M

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 59.26/100
national median ~50 near the national middle (59th percentile)
Social vulnerabilityVery High 92.11/100
national median ~50 among the highest nationally
Community resilienceVery Low 18.23/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Limestone

The National Flood Insurance Program has paid 291 flood-insurance claims totaling $4.8M in Limestone since 1979. The costliest year was 2009 ($1.3M paid).

Flood-insurance dollars paid by year of loss

1979: $2,582 paid 1981: $3,742 paid 1983: $0 paid 1985: $3,981 paid 1986: $255,626 paid 1989: $163,138 paid 1990: $4,574 paid 1991: $368,213 paid 1994: $1,385 paid 1995: $5,887 paid 1997: $6,556 paid 1998: $433 paid 2001: $473,548 paid 2003: $6,785 paid 2004: $3,038 paid 2006: $11,080 paid 2007: $78,192 paid 2009: $1,332,965 paid 2010: $16,061 paid 2012: $534,111 paid 2015: $242,697 paid 2016: $835,409 paid 2017: $128,350 paid 2018: $143,828 paid 2019: $9,657 paid 2020: $81,124 paid 2021: $63,843 paid 2024: $22,037 paid 2025: $0 paid 2009 · $1.3M 1979 2025
$4.8M
total paid
$16,491
average claim
$144K
largest single claim
63%
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 Limestone, TX and where it ranks among U.S. counties. It is not a verdict on whether Limestone 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.