Property Atlas

County hazard profile

Somervell, TX

Texas · pop. 9,202 · FIPS 48425

Very Low
FEMA risk rating · RATING
Wildfire
dominant hazard
$8M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Somervell $8M

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 indexVery Low 10.81/100
national median ~50 among the lowest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 78.44/100
national median ~50 higher than 78% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Somervell

The National Flood Insurance Program has paid 33 flood-insurance claims totaling $618K in Somervell since 1981. The costliest year was 2016 ($181K paid).

Flood-insurance dollars paid by year of loss

1981: $67,484 paid 1989: $1,584 paid 1990: $98,999 paid 1991: $117,419 paid 1995: $0 paid 1997: $15,086 paid 2000: $1,423 paid 2004: $13,171 paid 2006: $5,362 paid 2007: $97,601 paid 2014: $1,012 paid 2015: $0 paid 2016: $181,005 paid 2023: $18,262 paid 2016 · $181K 1981 2023
$618K
total paid
$18,740
average claim
$177K
largest single claim
73%
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 Somervell, TX and where it ranks among U.S. counties. It is not a verdict on whether Somervell 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.