Property Atlas

County hazard profile

Lubbock, TX

Texas · pop. 309,719 · FIPS 48303

Relatively High
FEMA risk rating · RATING
Drought
dominant hazard
$214M
modeled expected annual loss/yr

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

near the national middle (66th percentile)

national median $15M/yr Lubbock $214M

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 High 96.25/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 45.77/100
national median ~50 near the national middle (46th percentile)
Community resilienceRelatively Moderate 58.21/100
national median ~50 near the national middle (58th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lubbock

The National Flood Insurance Program has paid 346 flood-insurance claims totaling $2.7M in Lubbock since 1979. The costliest year was 2015 ($704K paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1980: $1,935 paid 1981: $0 paid 1982: $1,538 paid 1983: $200,027 paid 1985: $693 paid 1986: $0 paid 1987: $1,670 paid 1988: $218 paid 1989: $0 paid 1990: $170 paid 1991: $50,714 paid 1992: $6,678 paid 1993: $9,463 paid 1994: $2,894 paid 1995: $234 paid 1996: $8,067 paid 1997: $0 paid 1998: $0 paid 1999: $272,170 paid 2000: $3,670 paid 2001: $12,548 paid 2003: $24,896 paid 2004: $0 paid 2005: $15,630 paid 2006: $0 paid 2007: $3,995 paid 2008: $254,865 paid 2009: $121,891 paid 2010: $333,816 paid 2011: $500 paid 2012: $0 paid 2013: $13,028 paid 2014: $151,838 paid 2015: $704,028 paid 2016: $378,106 paid 2017: $0 paid 2018: $0 paid 2019: $1,070 paid 2021: $7,216 paid 2022: $0 paid 2023: $92,842 paid 2025: $59,908 paid 2015 · $704K 1979 2025
$2.7M
total paid
$7,908
average claim
$404K
largest single claim
76%
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 Lubbock, TX and where it ranks among U.S. counties. It is not a verdict on whether Lubbock 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.