Property Atlas

County hazard profile

Rockwall, TX

Texas · pop. 107,791 · FIPS 48397

Relatively Low
FEMA risk rating · RATING
Tornado
dominant hazard
$46M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Rockwall $46M

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 70.74/100
national median ~50 near the national middle (71st percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 86.32/100
national median ~50 higher than 86% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Rockwall

The National Flood Insurance Program has paid 61 flood-insurance claims totaling $1.4M in Rockwall since 1979. The costliest year was 2018 ($444K paid).

Flood-insurance dollars paid by year of loss

1979: $205 paid 1982: $540 paid 1988: $7,593 paid 1989: $0 paid 1994: $3,314 paid 1996: $869 paid 1997: $0 paid 1998: $1,793 paid 1999: $5,114 paid 2002: $2,826 paid 2006: $25,134 paid 2007: $9,775 paid 2008: $6,384 paid 2009: $24,707 paid 2011: $0 paid 2013: $0 paid 2015: $209,389 paid 2016: $12,464 paid 2017: $16,356 paid 2018: $443,853 paid 2022: $0 paid 2023: $161,978 paid 2024: $193,990 paid 2025: $286,381 paid 2026: $0 paid 2018 · $444K 1979 2026
$1.4M
total paid
$23,158
average claim
$382K
largest single claim
44%
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 Rockwall, TX and where it ranks among U.S. counties. It is not a verdict on whether Rockwall 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.