Property Atlas

County hazard profile

Navarro, TX

Texas · pop. 52,568 · FIPS 48349

Relatively Low
FEMA risk rating · RATING
Tornado
dominant hazard
$27M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Navarro $27M

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 75.25/100
national median ~50 higher than 75% of counties
Social vulnerabilityRelatively High 71.56/100
national median ~50 near the national middle (72nd percentile)
Community resilienceRelatively Low 27.51/100
national median ~50 lower than most counties (28th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Navarro

The National Flood Insurance Program has paid 108 flood-insurance claims totaling $2.6M in Navarro since 1980. The costliest year was 2015 ($2.2M paid).

Flood-insurance dollars paid by year of loss

1980: $16,100 paid 1981: $749 paid 1982: $19,866 paid 1989: $68,186 paid 1990: $29,171 paid 1991: $1,349 paid 1993: $1,376 paid 1994: $792 paid 1996: $0 paid 1998: $41,269 paid 1999: $0 paid 2002: $7,932 paid 2004: $23,882 paid 2005: $561 paid 2007: $80,895 paid 2008: $0 paid 2012: $21,090 paid 2013: $0 paid 2015: $2,227,389 paid 2016: $29,698 paid 2018: $1,972 paid 2019: $5,180 paid 2020: $0 paid 2021: $0 paid 2023: $0 paid 2024: $9,775 paid 2015 · $2.2M 1980 2024
$2.6M
total paid
$23,956
average claim
$169K
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 Navarro, TX and where it ranks among U.S. counties. It is not a verdict on whether Navarro 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.