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