Property Atlas

County hazard profile

Victoria, TX

Texas · pop. 91,218 · FIPS 48469

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$53M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Victoria $53M

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 86.48/100
national median ~50 higher than 86% of counties
Social vulnerabilityRelatively Moderate 59.13/100
national median ~50 near the national middle (59th percentile)
Community resilienceRelatively High 63.93/100
national median ~50 near the national middle (64th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Victoria

The National Flood Insurance Program has paid 744 flood-insurance claims totaling $11.3M in Victoria since 1978. The costliest year was 1998 ($2.5M paid).

Flood-insurance dollars paid by year of loss

1978: $61,551 paid 1979: $18,048 paid 1980: $29,710 paid 1981: $263,929 paid 1982: $0 paid 1983: $1,646 paid 1984: $7,367 paid 1985: $26,210 paid 1987: $120,269 paid 1988: $0 paid 1989: $0 paid 1990: $20,745 paid 1991: $832,845 paid 1992: $34,035 paid 1993: $14,312 paid 1994: $762,937 paid 1995: $3,304 paid 1996: $14,554 paid 1997: $589,076 paid 1998: $2,531,525 paid 1999: $672 paid 2001: $49,681 paid 2002: $295,892 paid 2003: $27,338 paid 2004: $1,282,628 paid 2005: $0 paid 2006: $23,777 paid 2007: $1,225,572 paid 2008: $0 paid 2009: $0 paid 2010: $484,949 paid 2012: $0 paid 2013: $879 paid 2014: $29,063 paid 2015: $18,671 paid 2017: $1,988,209 paid 2020: $35,442 paid 2021: $170,999 paid 2022: $5,254 paid 2023: $12,525 paid 2024: $74,696 paid 2025: $201,440 paid 1998 · $2.5M 1978 2025
$11.3M
total paid
$15,134
average claim
$224K
largest single claim
43%
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 Victoria, TX and where it ranks among U.S. counties. It is not a verdict on whether Victoria 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.