Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in Texas
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Texas ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Parmer County | $15,063 | Relatively Moderate | $127,300 |
| 2 | Sherman County | $12,680 | Very Low | $125,500 |
| 3 | Roberts County | $11,319 | Very Low | $176,800 |
| 4 | Borden County | $11,158 | Very Low | $105,400 |
| 5 | Briscoe County | $10,599 | Very Low | $82,900 |
| 6 | Hartley County | $8,561 | Very Low | $213,200 |
| 7 | Armstrong County | $8,443 | Very Low | $185,700 |
| 8 | Collingsworth County | $7,923 | Very Low | $108,400 |
| 9 | Lipscomb County | $7,887 | Very Low | $128,400 |
| 10 | Oldham County | $6,719 | Very Low | $144,800 |
| 11 | Hansford County | $6,542 | Very Low | $132,100 |
| 12 | Jim Hogg County | $6,420 | Relatively Low | $125,600 |
| 13 | Dallam County | $5,997 | Relatively Low | $140,500 |
| 14 | Glasscock County | $5,927 | Very Low | $248,600 |
| 15 | Hall County | $5,765 | Very Low | $80,200 |
| 16 | Cottle County | $5,536 | Very Low | $54,100 |
| 17 | Donley County | $5,520 | Very Low | $90,500 |
| 18 | Foard County | $5,472 | Very Low | $71,400 |
| 19 | McMullen County | $5,210 | Very Low | $108,800 |
| 20 | Dickens County | $5,059 | Very Low | $65,000 |
| 21 | Carson County | $4,987 | Very Low | $140,600 |
| 22 | Kent County | $4,954 | Very Low | $108,900 |
| 23 | Wheeler County | $4,863 | Very Low | $97,600 |
| 24 | Gonzales County | $4,810 | Relatively Moderate | $158,900 |
| 25 | DeWitt County | $4,696 | Relatively Moderate | $167,200 |
| 26 | Brooks County | $4,674 | Relatively Low | $82,700 |
| 27 | Hemphill County | $4,504 | Very Low | $214,900 |
| 28 | Jackson County | $4,420 | Relatively Low | $175,500 |
| 29 | Edwards County | $4,325 | Very Low | $78,300 |
| 30 | Stonewall County | $4,202 | Very Low | $54,700 |
| 31 | Cochran County | $4,191 | Very Low | $57,700 |
| 32 | Lavaca County | $4,041 | Relatively Low | $220,900 |
| 33 | Culberson County | $4,026 | Very Low | $84,500 |
| 34 | Floyd County | $3,999 | Very Low | $101,000 |
| 35 | Ochiltree County | $3,860 | Very Low | $137,200 |
| 36 | Motley County | $3,797 | Very Low | $81,100 |
| 37 | Sterling County | $3,772 | Very Low | $143,200 |
| 38 | Willacy County | $3,768 | Relatively Low | $60,800 |
| 39 | Swisher County | $3,691 | Very Low | $89,200 |
| 40 | Bailey County | $3,457 | Very Low | $104,400 |
| 41 | Kimble County | $3,392 | Very Low | $173,100 |
| 42 | Throckmorton County | $3,329 | Very Low | $84,200 |
| 43 | Duval County | $3,319 | Relatively Low | $86,400 |
| 44 | Deaf Smith County | $3,319 | Relatively Low | $116,000 |
| 45 | Refugio County | $3,318 | Very Low | $94,400 |
| 46 | Garza County | $3,282 | Very Low | $79,300 |
| 47 | Knox County | $3,263 | Very Low | $66,800 |
| 48 | Yoakum County | $3,239 | Relatively Low | $183,000 |
| 49 | Lamb County | $3,224 | Relatively Low | $76,600 |
| 50 | Hutchinson County | $3,216 | Relatively Low | $102,200 |
| 51 | Castro County | $3,183 | Very Low | $94,900 |
| 52 | Red River County | $3,131 | Relatively Low | $133,800 |
| 53 | Kleberg County | $2,996 | Relatively Moderate | $152,200 |
| 54 | Lynn County | $2,974 | Very Low | $130,800 |
| 55 | Childress County | $2,921 | Very Low | $115,100 |
| 56 | Jim Wells County | $2,875 | Relatively Moderate | $104,800 |
| 57 | Zavala County | $2,871 | Relatively Low | $88,100 |
| 58 | Terry County | $2,859 | Relatively Low | $111,200 |
| 59 | Crockett County | $2,854 | Very Low | $140,000 |
| 60 | Reagan County | $2,850 | Very Low | $163,700 |
| 61 | Concho County | $2,814 | Very Low | $105,800 |
| 62 | Hale County | $2,800 | Relatively Low | $106,100 |
| 63 | Moore County | $2,794 | Relatively Low | $135,400 |
| 64 | Baylor County | $2,730 | Very Low | $93,300 |
| 65 | Martin County | $2,704 | Very Low | $162,200 |
| 66 | Karnes County | $2,584 | Relatively Low | $136,900 |
| 67 | Calhoun County | $2,573 | Relatively Low | $150,000 |
| 68 | La Salle County | $2,561 | Very Low | $101,000 |
| 69 | Schleicher County | $2,452 | Very Low | $113,400 |
| 70 | Uvalde County | $2,421 | Relatively Low | $144,400 |
| 71 | Upton County | $2,369 | Very Low | $106,300 |
| 72 | Menard County | $2,354 | Very Low | $105,300 |
| 73 | Gray County | $2,323 | Relatively Low | $100,400 |
| 74 | Crosby County | $2,318 | Very Low | $75,500 |
| 75 | Leon County | $2,307 | Relatively Low | $177,400 |
| 76 | Wharton County | $2,271 | Relatively Moderate | $182,700 |
| 77 | Jeff Davis County | $2,268 | Very Low | $234,400 |
| 78 | Goliad County | $2,253 | Very Low | $182,800 |
| 79 | Mitchell County | $2,249 | Very Low | $85,700 |
| 80 | Matagorda County | $2,247 | Relatively Low | $162,200 |
| 81 | Wilbarger County | $2,234 | Relatively Low | $98,800 |
| 82 | Madison County | $2,233 | Very Low | $149,100 |
| 83 | Irion County | $2,219 | Very Low | $152,600 |
| 84 | Somervell County | $2,150 | Very Low | $253,600 |
| 85 | Trinity County | $2,144 | Relatively Low | $110,100 |
| 86 | Mason County | $2,139 | Very Low | $274,600 |
| 87 | Comal County | $2,124 | Relatively Moderate | $398,800 |
| 88 | Fannin County | $2,100 | Relatively Low | $213,500 |
| 89 | Caldwell County | $2,099 | Relatively Low | $215,600 |
| 90 | Haskell County | $2,096 | Very Low | $92,000 |
| 91 | Colorado County | $2,093 | Relatively Low | $194,000 |
| 92 | Dimmit County | $2,082 | Very Low | $80,300 |
| 93 | Erath County | $2,072 | Relatively Low | $251,900 |
| 94 | Frio County | $2,071 | Relatively Low | $110,100 |
| 95 | Sutton County | $2,041 | Very Low | $140,600 |
| 96 | Comanche County | $2,039 | Relatively Low | $137,800 |
| 97 | Blanco County | $2,023 | Very Low | $396,200 |
| 98 | Dawson County | $2,020 | Very Low | $90,800 |
| 99 | Hopkins County | $2,013 | Relatively Low | $193,200 |
| 100 | Tyler County | $1,992 | Relatively Low | $138,400 |
| 101 | Hudspeth County | $1,968 | Very Low | $57,400 |
| 102 | Guadalupe County | $1,965 | Relatively Moderate | $285,900 |
| 103 | Hardeman County | $1,956 | Very Low | $76,500 |
| 104 | Freestone County | $1,945 | Relatively Low | $164,400 |
| 105 | Delta County | $1,944 | Very Low | $149,400 |
| 106 | Montague County | $1,915 | Relatively Low | $189,400 |
| 107 | Bandera County | $1,905 | Relatively Low | $249,800 |
| 108 | Bee County | $1,887 | Relatively Low | $102,800 |
| 109 | Jack County | $1,870 | Very Low | $174,800 |
| 110 | Chambers County | $1,838 | Relatively Low | $289,900 |
| 111 | Hill County | $1,837 | Relatively Low | $163,100 |
| 112 | Runnels County | $1,833 | Very Low | $103,700 |
| 113 | Gaines County | $1,831 | Relatively Low | $185,300 |
| 114 | Fisher County | $1,827 | Very Low | $77,600 |
| 115 | Llano County | $1,816 | Relatively Low | $322,300 |
| 116 | Wilson County | $1,795 | Relatively Low | $286,300 |
| 117 | Collin County | $1,790 | Relatively High | $447,600 |
| 118 | Shackelford County | $1,770 | Very Low | $176,900 |
| 119 | Cooke County | $1,752 | Relatively Low | $224,600 |
| 120 | Lee County | $1,743 | Very Low | $247,500 |
| 121 | Live Oak County | $1,741 | Very Low | $142,300 |
| 122 | Fayette County | $1,734 | Relatively Low | $271,100 |
| 123 | Franklin County | $1,725 | Very Low | $213,200 |
| 124 | Lubbock County | $1,721 | Relatively High | $199,600 |
| 125 | Hockley County | $1,708 | Relatively Low | $112,700 |
| 126 | Orange County | $1,705 | Relatively Moderate | $163,400 |
| 127 | Houston County | $1,685 | Relatively Low | $155,100 |
| 128 | San Patricio County | $1,612 | Relatively Moderate | $180,400 |
| 129 | Lamar County | $1,592 | Relatively Low | $175,500 |
| 130 | Camp County | $1,583 | Very Low | $159,900 |
| 131 | Starr County | $1,579 | Relatively Moderate | $93,300 |
| 132 | San Saba County | $1,577 | Very Low | $161,800 |
| 133 | Limestone County | $1,573 | Relatively Low | $154,400 |
| 134 | Hamilton County | $1,564 | Very Low | $124,800 |
| 135 | Victoria County | $1,563 | Relatively Moderate | $197,600 |
| 136 | Coleman County | $1,545 | Very Low | $91,200 |
| 137 | Coke County | $1,528 | Very Low | $112,900 |
| 138 | Panola County | $1,519 | Relatively Low | $146,000 |
| 139 | Kendall County | $1,514 | Relatively Low | $489,800 |
| 140 | Gillespie County | $1,509 | Relatively Low | $432,300 |
| 141 | Jefferson County | $1,502 | Relatively High | $159,600 |
| 142 | Potter County | $1,498 | Relatively Moderate | $134,900 |
| 143 | Jones County | $1,470 | Very Low | $92,700 |
| 144 | Navarro County | $1,436 | Relatively Low | $159,900 |
| 145 | Galveston County | $1,428 | Relatively High | $284,900 |
| 146 | Nueces County | $1,423 | Relatively High | $194,700 |
| 147 | Shelby County | $1,411 | Relatively Low | $111,700 |
| 148 | Val Verde County | $1,410 | Relatively Low | $151,500 |
| 149 | Grimes County | $1,400 | Relatively Low | $226,600 |
| 150 | Scurry County | $1,398 | Very Low | $110,800 |
| 151 | Washington County | $1,397 | Relatively Low | $270,100 |
| 152 | Upshur County | $1,394 | Relatively Low | $171,200 |
| 153 | Young County | $1,394 | Very Low | $165,300 |
| 154 | Morris County | $1,392 | Very Low | $110,200 |
| 155 | Brewster County | $1,365 | Very Low | $216,000 |
| 156 | Anderson County | $1,356 | Relatively Low | $173,400 |
| 157 | San Jacinto County | $1,350 | Relatively Low | $183,100 |
| 158 | Clay County | $1,343 | Very Low | $161,300 |
| 159 | Palo Pinto County | $1,343 | Relatively Low | $167,300 |
| 160 | Marion County | $1,333 | Very Low | $110,500 |
| 161 | Waller County | $1,329 | Relatively Low | $292,000 |
| 162 | Eastland County | $1,321 | Very Low | $121,700 |
| 163 | Reeves County | $1,319 | Very Low | $113,700 |
| 164 | Burnet County | $1,318 | Relatively Low | $310,500 |
| 165 | Polk County | $1,317 | Relatively Low | $154,000 |
| 166 | Aransas County | $1,298 | Relatively Low | $236,800 |
| 167 | Stephens County | $1,290 | Very Low | $105,700 |
| 168 | Brown County | $1,286 | Relatively Low | $149,900 |
| 169 | Harris County | $1,283 | Very High | $255,000 |
| 170 | San Augustine County | $1,280 | Very Low | $83,500 |
| 171 | Nacogdoches County | $1,274 | Relatively Low | $158,200 |
| 172 | Sabine County | $1,265 | Very Low | $131,900 |
| 173 | Randall County | $1,262 | Relatively Moderate | $227,500 |
| 174 | Milam County | $1,257 | Relatively Low | $168,900 |
| 175 | Nolan County | $1,255 | Very Low | $98,300 |
| 176 | Hardin County | $1,247 | Relatively Low | $188,200 |
| 177 | Brazoria County | $1,231 | Relatively Moderate | $276,800 |
| 178 | Fort Bend County | $1,231 | Relatively High | $350,300 |
| 179 | Bosque County | $1,222 | Very Low | $184,500 |
| 180 | Cameron County | $1,219 | Relatively High | $120,000 |
| 181 | Mills County | $1,209 | Very Low | $200,200 |
| 182 | Bastrop County | $1,209 | Relatively Moderate | $269,500 |
| 183 | Terrell County | $1,203 | Very Low | $152,200 |
| 184 | Zapata County | $1,194 | Very Low | $88,800 |
| 185 | McCulloch County | $1,194 | Very Low | $104,400 |
| 186 | Rains County | $1,193 | Very Low | $214,900 |
| 187 | Austin County | $1,189 | Relatively Low | $270,900 |
| 188 | Rockwall County | $1,174 | Relatively Low | $386,000 |
| 189 | Medina County | $1,174 | Relatively Low | $220,000 |
| 190 | Hidalgo County | $1,173 | Relatively High | $124,000 |
| 191 | Hood County | $1,165 | Relatively Low | $281,300 |
| 192 | Howard County | $1,154 | Relatively Low | $150,300 |
| 193 | Gregg County | $1,154 | Relatively Moderate | $185,800 |
| 194 | Hunt County | $1,153 | Relatively Moderate | $210,900 |
| 195 | Hays County | $1,149 | Relatively Moderate | $371,400 |
| 196 | Henderson County | $1,147 | Relatively Moderate | $189,600 |
| 197 | Kerr County | $1,136 | Relatively Low | $285,100 |
| 198 | Archer County | $1,132 | Very Low | $175,300 |
| 199 | Jasper County | $1,131 | Relatively Low | $125,900 |
| 200 | Pecos County | $1,123 | Very Low | $142,900 |
| 201 | Newton County | $1,123 | Very Low | $83,100 |
| 202 | Harrison County | $1,123 | Relatively Low | $178,200 |
| 203 | Johnson County | $1,113 | Relatively Moderate | $254,600 |
| 204 | Robertson County | $1,111 | Very Low | $172,700 |
| 205 | Kinney County | $1,100 | Very Low | $88,500 |
| 206 | Presidio County | $1,095 | Very Low | $123,100 |
| 207 | Liberty County | $1,084 | Relatively Low | $167,100 |
| 208 | Titus County | $1,076 | Relatively Low | $157,900 |
| 209 | Denton County | $1,023 | Relatively High | $403,400 |
| 210 | Dallas County | $1,002 | Very High | $277,900 |
| 211 | Walker County | $995 | Relatively Low | $207,900 |
| 212 | Falls County | $993 | Very Low | $97,300 |
| 213 | Taylor County | $986 | Relatively Moderate | $190,300 |
| 214 | Parker County | $974 | Relatively Moderate | $343,600 |
| 215 | Burleson County | $965 | Very Low | $174,000 |
| 216 | Bowie County | $959 | Relatively Low | $161,300 |
| 217 | Ward County | $955 | Very Low | $138,800 |
| 218 | Cherokee County | $955 | Relatively Low | $160,300 |
| 219 | Montgomery County | $942 | Relatively High | $317,500 |
| 220 | Lampasas County | $940 | Very Low | $236,000 |
| 221 | Cass County | $915 | Relatively Low | $133,500 |
| 222 | Callahan County | $913 | Very Low | $144,800 |
| 223 | Van Zandt County | $889 | Relatively Low | $199,500 |
| 224 | Andrews County | $884 | Very Low | $188,200 |
| 225 | McLennan County | $880 | Relatively Moderate | $219,200 |
| 226 | Coryell County | $878 | Relatively Low | $177,400 |
| 227 | Kaufman County | $860 | Relatively Low | $290,800 |
| 228 | Winkler County | $857 | Very Low | $121,200 |
| 229 | Bexar County | $837 | Relatively High | $244,100 |
| 230 | Atascosa County | $834 | Relatively Low | $157,400 |
| 231 | Wood County | $833 | Relatively Low | $195,100 |
| 232 | Rusk County | $831 | Relatively Low | $166,900 |
| 233 | Wise County | $827 | Relatively Low | $277,200 |
| 234 | Wichita County | $811 | Relatively Moderate | $141,600 |
| 235 | Grayson County | $799 | Relatively Low | $228,300 |
| 236 | Tarrant County | $790 | Relatively High | $294,100 |
| 237 | Bell County | $772 | Relatively Moderate | $221,100 |
| 238 | Ector County | $744 | Relatively Moderate | $190,500 |
| 239 | Maverick County | $728 | Relatively Low | $151,500 |
| 240 | Midland County | $726 | Relatively Moderate | $293,000 |
| 241 | Angelina County | $726 | Relatively Low | $149,800 |
| 242 | Brazos County | $709 | Relatively Moderate | $279,700 |
| 243 | Ellis County | $682 | Relatively Moderate | $306,400 |
| 244 | Tom Green County | $670 | Relatively Low | $186,700 |
| 245 | Travis County | $670 | Relatively High | $487,600 |
| 246 | Webb County | $584 | Relatively Moderate | $178,900 |
| 247 | Crane County | $583 | Very Low | $119,900 |
| 248 | Williamson County | $565 | Relatively Moderate | $414,600 |
| 249 | Smith County | $528 | Relatively Moderate | $220,800 |
| 250 | El Paso County | $408 | Relatively High | $167,300 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Texas