Property Atlas

County hazard profile

Llano, TX

Texas · pop. 21,199 · FIPS 48299

Relatively Low
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$19M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Llano $19M

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 70.39/100
national median ~50 near the national middle (70th percentile)
Social vulnerabilityVery High 91/100
national median ~50 among the highest nationally
Community resilienceRelatively Low 22.81/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Llano

The National Flood Insurance Program has paid 692 flood-insurance claims totaling $20.0M in Llano since 1979. The costliest year was 2018 ($16.4M paid).

Flood-insurance dollars paid by year of loss

1979: $8,933 paid 1980: $2,902 paid 1981: $3,989 paid 1983: $1,506 paid 1989: $0 paid 1990: $0 paid 1991: $1,561 paid 1993: $2,357 paid 1994: $1,672 paid 1995: $241,709 paid 1996: $8,787 paid 1997: $1,208,031 paid 1998: $0 paid 1999: $4,619 paid 2000: $193,379 paid 2001: $14,466 paid 2002: $4,013 paid 2004: $42,302 paid 2006: $0 paid 2007: $785,872 paid 2008: $0 paid 2009: $233,432 paid 2011: $3,248 paid 2012: $1,550 paid 2013: $0 paid 2014: $23,617 paid 2015: $31,855 paid 2016: $106,571 paid 2017: $3,878 paid 2018: $16,421,000 paid 2019: $11,857 paid 2021: $11,090 paid 2022: $60,590 paid 2024: $235,353 paid 2025: $344,467 paid 2018 · $16.4M 1979 2025
$20.0M
total paid
$28,923
average claim
$275K
largest single claim
84%
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 Llano, TX and where it ranks among U.S. counties. It is not a verdict on whether Llano 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.