Property Atlas

County hazard profile

Trinity, TX

Texas · pop. 13,573 · FIPS 48455

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Trinity $13M

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 60.62/100
national median ~50 near the national middle (61st percentile)
Social vulnerabilityVery High 94.47/100
national median ~50 among the highest nationally
Community resilienceVery Low 12.18/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Trinity

The National Flood Insurance Program has paid 140 flood-insurance claims totaling $2.5M in Trinity since 1979. The costliest year was 2024 ($454K paid).

Flood-insurance dollars paid by year of loss

1979: $30,250 paid 1981: $26,905 paid 1983: $27,731 paid 1990: $108,543 paid 1991: $321,893 paid 1992: $19,700 paid 1993: $114,416 paid 1994: $159,499 paid 1995: $232 paid 1998: $110,038 paid 1999: $120,208 paid 2001: $295,956 paid 2002: $75,525 paid 2003: $21,232 paid 2004: $64,783 paid 2007: $93,123 paid 2010: $0 paid 2015: $80,000 paid 2016: $62,493 paid 2017: $56,856 paid 2018: $185,423 paid 2021: $28,150 paid 2024: $454,005 paid 2025: $75,050 paid 2024 · $454K 1979 2025
$2.5M
total paid
$18,086
average claim
$72K
largest single claim
51%
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 Trinity, TX and where it ranks among U.S. counties. It is not a verdict on whether Trinity 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.