Property Atlas

County hazard profile

Starr, TX

Texas · pop. 65,565 · FIPS 48427

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$30M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Starr $30M

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 84.8/100
national median ~50 higher than 85% of counties
Social vulnerabilityVery High 97.01/100
national median ~50 among the highest nationally
Community resilienceVery Low 0.35/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Starr

The National Flood Insurance Program has paid 83 flood-insurance claims totaling $1.9M in Starr since 1981. The costliest year was 2025 ($493K paid).

Flood-insurance dollars paid by year of loss

1981: $4,302 paid 1983: $6,170 paid 1985: $766 paid 1991: $12,655 paid 1995: $23,485 paid 1997: $22,452 paid 1998: $4,217 paid 2001: $15,604 paid 2002: $5,791 paid 2003: $34,436 paid 2007: $70,207 paid 2008: $292,751 paid 2009: $0 paid 2010: $53,504 paid 2011: $38,605 paid 2013: $1,606 paid 2015: $25,000 paid 2016: $0 paid 2018: $82,516 paid 2019: $0 paid 2020: $445,107 paid 2022: $205,579 paid 2024: $0 paid 2025: $493,130 paid 2026: $89,846 paid 2025 · $493K 1981 2026
$1.9M
total paid
$23,226
average claim
$142K
largest single claim
37%
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 Starr, TX and where it ranks among U.S. counties. It is not a verdict on whether Starr 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.