Property Atlas

County hazard profile

McLennan, TX

Texas · pop. 260,302 · FIPS 48309

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$84M
modeled expected annual loss/yr

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

lower than most counties (26th percentile)

national median $15M/yr McLennan $84M

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 91.22/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 65.39/100
national median ~50 near the national middle (65th percentile)
Community resilienceRelatively High 78.56/100
national median ~50 higher than 79% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in McLennan

The National Flood Insurance Program has paid 355 flood-insurance claims totaling $5.1M in McLennan since 1979. The costliest year was 2024 ($1.0M paid).

Flood-insurance dollars paid by year of loss

1979: $101,839 paid 1980: $6,028 paid 1981: $2,420 paid 1982: $0 paid 1984: $24,114 paid 1985: $19 paid 1986: $8,362 paid 1989: $198,778 paid 1990: $23,130 paid 1991: $64,860 paid 1993: $0 paid 1995: $14,917 paid 1996: $36,240 paid 1997: $67,453 paid 1998: $21,029 paid 2000: $0 paid 2001: $88,050 paid 2002: $15,927 paid 2003: $62,517 paid 2004: $161,160 paid 2005: $19,424 paid 2006: $28,225 paid 2007: $868,988 paid 2008: $0 paid 2009: $0 paid 2010: $125,258 paid 2012: $522,555 paid 2013: $26,862 paid 2014: $167,217 paid 2015: $496,045 paid 2016: $472,449 paid 2017: $34,221 paid 2018: $65,444 paid 2019: $73,767 paid 2020: $46,152 paid 2021: $97,088 paid 2023: $148,190 paid 2024: $1,023,354 paid 2025: $37,619 paid 2026: $0 paid 2024 · $1.0M 1979 2026
$5.1M
total paid
$14,506
average claim
$350K
largest single claim
50%
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 McLennan, TX and where it ranks among U.S. counties. It is not a verdict on whether McLennan 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.