Updated April 2026
Flood Risk in Texas
Texas has 255 counties with flood risk data, 7.8K total NFIP flood insurance claims, and an average risk score of 12 out of 100.
255
Counties
7.8K
NFIP Claims
$609,323,871
Total Payouts
12
Avg Risk Score
Grade Distribution
A
244
counties
B
10
counties
C
0
counties
D
1
counties
F
0
counties
Riskiest in Texas
| County | Grade | Score |
|---|---|---|
| Harris | D | 74 |
| Aransas | B | 29 |
| Cameron | B | 28 |
| Liberty | B | 27 |
| San Patricio | B | 26 |
All 255 Counties in Texas
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | Harris | D | 74 | 3.8K | $339,800,746 | 25 |
| 2 | Aransas | B | 29 | 152 | $2,516,223 | 22 |
| 3 | Cameron | B | 28 | 126 | $7,479,912 | 21 |
| 4 | Liberty | B | 27 | 63 | $3,187,112 | 21 |
| 5 | San Patricio | B | 26 | 25 | $680,228 | 24 |
| 6 | Matagorda | B | 26 | 27 | $494,360 | 20 |
| 7 | Hardin | B | 24 | 64 | $10,490,708 | 15 |
| 8 | Chambers | B | 24 | 63 | $5,739,943 | 15 |
| 9 | Wharton | B | 24 | 40 | $2,099,690 | 16 |
| 10 | Willacy | B | 21 | 6 | $78,111 | 18 |
| 11 | Galveston | B | 21 | 568 | $46,652,327 | 21 |
| 12 | Polk | A | 20 | 6 | $351,148 | 17 |
| 13 | Walker | A | 20 | 13 | $701,311 | 18 |
| 14 | Jefferson | A | 19 | 561 | $52,350,252 | 18 |
| 15 | Calhoun | A | 18 | 8 | $46,764 | 20 |
| 16 | Refugio | A | 18 | 4 | $145,753 | 19 |
| 17 | San Jacinto | A | 18 | 7 | $221,304 | 20 |
| 18 | Jim Wells | A | 18 | 4 | $104,612 | 20 |
| 19 | Tyler | A | 17 | 2 | $500 | 17 |
| 20 | Victoria | A | 17 | 9 | $163,831 | 17 |
| 21 | Brazoria | A | 17 | 334 | $22,694,148 | 22 |
| 22 | Jackson | A | 17 | 6 | $64,443 | 14 |
| 23 | Jasper | A | 17 | 4 | $290,313 | 17 |
| 24 | Orange | A | 17 | 349 | $32,622,826 | 17 |
| 25 | Kleberg | A | 16 | 2 | $32,257 | 16 |
| 26 | Newton | A | 16 | 20 | $1,172,604 | 15 |
| 27 | Nueces | A | 16 | 269 | $10,269,852 | 23 |
| 28 | Waller | A | 16 | 46 | $2,766,451 | 15 |
| 29 | Anderson | A | 15 | 0 | $0 | 13 |
| 30 | DeWitt | A | 15 | 4 | $207,286 | 13 |
| 31 | Goliad | A | 15 | 0 | $0 | 14 |
| 32 | Grimes | A | 15 | 3 | $31,217 | 14 |
| 33 | Hidalgo | A | 15 | 133 | $4,610,293 | 20 |
| 34 | Houston | A | 15 | 1 | $17,729 | 13 |
| 35 | Kenedy | A | 15 | 0 | $0 | 14 |
| 36 | Madison | A | 15 | 0 | $0 | 14 |
| 37 | Sabine | A | 15 | 0 | $0 | 13 |
| 38 | Austin | A | 15 | 15 | $477,477 | 14 |
| 39 | Montgomery | A | 15 | 287 | $23,111,458 | 19 |
| 40 | Nacogdoches | A | 15 | 1 | $0 | 14 |
| 41 | Shelby | A | 15 | 0 | $0 | 13 |
| 42 | Trinity | A | 15 | 0 | $0 | 14 |
| 43 | Smith | A | 15 | 5 | $44,497 | 13 |
| 44 | Bee | A | 15 | 1 | $0 | 14 |
| 45 | Hood | A | 15 | 6 | $287,404 | 6 |
| 46 | Brooks | A | 15 | 0 | $0 | 13 |
| 47 | Jim Hogg | A | 15 | 0 | $0 | 13 |
| 48 | Cass | A | 14 | 0 | $0 | 12 |
| 49 | Harrison | A | 14 | 6 | $78,516 | 12 |
| 50 | San Augustine | A | 14 | 0 | $0 | 12 |
| 51 | Webb | A | 14 | 4 | $258,198 | 12 |
| 52 | Fort Bend | A | 14 | 260 | $19,105,409 | 18 |
| 53 | Starr | A | 14 | 2 | $155,770 | 12 |
| 54 | Live Oak | A | 14 | 0 | $0 | 12 |
| 55 | Angelina | A | 13 | 2 | $16,678 | 11 |
| 56 | Burleson | A | 13 | 2 | $51,371 | 10 |
| 57 | Cherokee | A | 13 | 1 | $16,729 | 11 |
| 58 | Colorado | A | 13 | 3 | $234,412 | 10 |
| 59 | Fayette | A | 13 | 5 | $634,113 | 11 |
| 60 | Gregg | A | 13 | 4 | $84,452 | 10 |
| 61 | Lavaca | A | 13 | 0 | $0 | 11 |
| 62 | Leon | A | 13 | 0 | $0 | 11 |
| 63 | Rusk | A | 13 | 2 | $833 | 10 |
| 64 | Washington | A | 13 | 1 | $213,439 | 10 |
| 65 | Bowie | A | 13 | 6 | $58,386 | 11 |
| 66 | Gonzales | A | 13 | 1 | $0 | 10 |
| 67 | Hays | A | 13 | 40 | $2,915,023 | 9 |
| 68 | Guadalupe | A | 13 | 3 | $39,527 | 11 |
| 69 | Comal | A | 13 | 8 | $76,772 | 11 |
| 70 | Parker | A | 13 | 4 | $5,243 | 10 |
| 71 | Duval | A | 13 | 0 | $0 | 10 |
| 72 | Lee | A | 12 | 2 | $102,300 | 8 |
| 73 | Marion | A | 12 | 1 | $38,117 | 9 |
| 74 | Milam | A | 12 | 0 | $0 | 9 |
| 75 | Morris | A | 12 | 0 | $0 | 8 |
| 76 | Panola | A | 12 | 0 | $0 | 9 |
| 77 | Upshur | A | 12 | 1 | $32,373 | 9 |
| 78 | Brown | A | 12 | 4 | $98,436 | 8 |
| 79 | Caldwell | A | 12 | 6 | $464,315 | 9 |
| 80 | Hill | A | 12 | 0 | $0 | 8 |
| 81 | Red River | A | 12 | 0 | $0 | 9 |
| 82 | San Saba | A | 12 | 0 | $0 | 8 |
| 83 | Jones | A | 12 | 2 | $144,818 | 8 |
| 84 | Dallas | A | 12 | 38 | $1,602,748 | 12 |
| 85 | Eastland | A | 12 | 12 | $530,888 | 8 |
| 86 | Henderson | A | 12 | 1 | $0 | 8 |
| 87 | Navarro | A | 12 | 3 | $140,232 | 8 |
| 88 | Burnet | A | 12 | 16 | $903,468 | 8 |
| 89 | Callahan | A | 12 | 0 | $0 | 8 |
| 90 | Bexar | A | 12 | 17 | $55,652 | 15 |
| 91 | Karnes | A | 12 | 0 | $0 | 8 |
| 92 | Kendall | A | 12 | 5 | $14,847 | 8 |
| 93 | Kerr | A | 12 | 10 | $741,476 | 8 |
| 94 | McMullen | A | 12 | 0 | $0 | 8 |
| 95 | Atascosa | A | 12 | 0 | $0 | 8 |
| 96 | Brazos | A | 11 | 14 | $162,729 | 10 |
| 97 | Camp | A | 11 | 0 | $0 | 6 |
| 98 | Freestone | A | 11 | 1 | $141,344 | 7 |
| 99 | Robertson | A | 11 | 0 | $0 | 7 |
| 100 | Blanco | A | 11 | 1 | $20,443 | 7 |
| 101 | Bosque | A | 11 | 1 | $8,859 | 7 |
| 102 | Coleman | A | 11 | 0 | $0 | 7 |
| 103 | Delta | A | 11 | 0 | $0 | 6 |
| 104 | Hamilton | A | 11 | 0 | $0 | 6 |
| 105 | Hopkins | A | 11 | 1 | $25,762 | 7 |
| 106 | Lampasas | A | 11 | 2 | $133,753 | 6 |
| 107 | McCulloch | A | 11 | 0 | $0 | 6 |
| 108 | Rains | A | 11 | 0 | $0 | 6 |
| 109 | Titus | A | 11 | 0 | $0 | 7 |
| 110 | Cooke | A | 11 | 1 | $27,118 | 7 |
| 111 | Coryell | A | 11 | 4 | $121,452 | 7 |
| 112 | Ellis | A | 11 | 8 | $181,844 | 6 |
| 113 | Falls | A | 11 | 0 | $0 | 6 |
| 114 | Van Zandt | A | 11 | 1 | $500 | 6 |
| 115 | Comanche | A | 11 | 0 | $0 | 6 |
| 116 | Dimmit | A | 11 | 0 | $0 | 6 |
| 117 | Edwards | A | 11 | 0 | $0 | 6 |
| 118 | Franklin | A | 11 | 1 | $33,789 | 6 |
| 119 | Kimble | A | 11 | 1 | $71,987 | 6 |
| 120 | Mason | A | 11 | 1 | $45,000 | 7 |
| 121 | Real | A | 11 | 0 | $0 | 7 |
| 122 | Throckmorton | A | 11 | 0 | $0 | 7 |
| 123 | Uvalde | A | 11 | 0 | $0 | 7 |
| 124 | Bandera | A | 11 | 1 | $127,043 | 7 |
| 125 | Palo Pinto | A | 11 | 1 | $0 | 6 |
| 126 | Stephens | A | 11 | 1 | $10,742 | 6 |
| 127 | Wood | A | 11 | 1 | $0 | 6 |
| 128 | Tom Green | A | 11 | 5 | $394,896 | 6 |
| 129 | Williamson | A | 11 | 6 | $151,715 | 7 |
| 130 | La Salle | A | 11 | 0 | $0 | 7 |
| 131 | Zapata | A | 11 | 0 | $0 | 7 |
| 132 | Medina | A | 11 | 0 | $0 | 7 |
| 133 | Wilson | A | 11 | 1 | $0 | 6 |
| 134 | El Paso | A | 11 | 4 | $342,643 | 6 |
| 135 | Lubbock | A | 11 | 2 | $59,908 | 6 |
| 136 | Wise | A | 11 | 2 | $121,801 | 6 |
| 137 | Statewide | A | 11 | 0 | $0 | 7 |
| 138 | Frio | A | 11 | 0 | $0 | 6 |
| 139 | Gillespie | A | 11 | 0 | $0 | 6 |
| 140 | Zavala | A | 11 | 1 | $153,662 | 6 |
| 141 | Bailey | A | 10 | 0 | $0 | 4 |
| 142 | Baylor | A | 10 | 0 | $0 | 5 |
| 143 | Clay | A | 10 | 2 | $16,183 | 4 |
| 144 | Cochran | A | 10 | 0 | $0 | 4 |
| 145 | Coke | A | 10 | 0 | $0 | 5 |
| 146 | Concho | A | 10 | 0 | $0 | 5 |
| 147 | Lynn | A | 10 | 0 | $0 | 5 |
| 148 | Mills | A | 10 | 0 | $0 | 5 |
| 149 | Rockwall | A | 10 | 4 | $12,413 | 5 |
| 150 | Sterling | A | 10 | 0 | $0 | 4 |
| 151 | Hockley | A | 10 | 1 | $0 | 4 |
| 152 | Kaufman | A | 10 | 2 | $51,339 | 5 |
| 153 | Lamar | A | 10 | 6 | $227,702 | 8 |
| 154 | Montague | A | 10 | 2 | $93,693 | 5 |
| 155 | Terrell | A | 10 | 0 | $0 | 4 |
| 156 | Archer | A | 10 | 0 | $0 | 5 |
| 157 | Haskell | A | 10 | 4 | $90,647 | 5 |
| 158 | Kinney | A | 10 | 0 | $0 | 4 |
| 159 | Knox | A | 10 | 0 | $0 | 4 |
| 160 | Menard | A | 10 | 0 | $0 | 5 |
| 161 | Nolan | A | 10 | 0 | $0 | 5 |
| 162 | Schleicher | A | 10 | 0 | $0 | 5 |
| 163 | Sutton | A | 10 | 2 | $52,354 | 5 |
| 164 | Travis | A | 10 | 52 | $1,841,502 | 15 |
| 165 | Val Verde | A | 10 | 1 | $0 | 5 |
| 166 | Bastrop | A | 10 | 13 | $256,673 | 9 |
| 167 | Erath | A | 10 | 1 | $0 | 5 |
| 168 | Fisher | A | 10 | 0 | $0 | 4 |
| 169 | Hall | A | 10 | 0 | $0 | 4 |
| 170 | Somervell | A | 10 | 0 | $0 | 5 |
| 171 | Reeves | A | 10 | 0 | $0 | 4 |
| 172 | Grayson | A | 10 | 9 | $336,487 | 5 |
| 173 | Hunt | A | 10 | 2 | $78,607 | 4 |
| 174 | Potter | A | 10 | 0 | $0 | 5 |
| 175 | Randall | A | 10 | 1 | $24,200 | 4 |
| 176 | Collingsworth | A | 10 | 0 | $0 | 4 |
| 177 | Cottle | A | 10 | 0 | $0 | 4 |
| 178 | Dawson | A | 10 | 0 | $0 | 4 |
| 179 | Floyd | A | 10 | 0 | $0 | 4 |
| 180 | Foard | A | 10 | 0 | $0 | 4 |
| 181 | Garza | A | 10 | 0 | $0 | 4 |
| 182 | Hudspeth | A | 10 | 0 | $0 | 4 |
| 183 | Johnson | A | 10 | 7 | $123,667 | 4 |
| 184 | Lamb | A | 10 | 0 | $0 | 4 |
| 185 | Maverick | A | 10 | 2 | $48,659 | 4 |
| 186 | Motley | A | 10 | 0 | $0 | 4 |
| 187 | Shackelford | A | 10 | 0 | $0 | 4 |
| 188 | Taylor | A | 10 | 3 | $98,413 | 5 |
| 189 | Terry | A | 10 | 0 | $0 | 4 |
| 190 | Wichita | A | 10 | 3 | $197,095 | 4 |
| 191 | Young | A | 10 | 0 | $0 | 5 |
| 192 | Bell | A | 9 | 6 | $63,580 | 7 |
| 193 | Andrews | A | 9 | 0 | $0 | 3 |
| 194 | Armstrong | A | 9 | 0 | $0 | 3 |
| 195 | Borden | A | 9 | 0 | $0 | 3 |
| 196 | Brewster | A | 9 | 0 | $0 | 3 |
| 197 | Briscoe | A | 9 | 0 | $0 | 3 |
| 198 | Carson | A | 9 | 0 | $0 | 3 |
| 199 | Castro | A | 9 | 0 | $0 | 3 |
| 200 | Childress | A | 9 | 0 | $0 | 3 |
| 201 | Crane | A | 9 | 0 | $0 | 3 |
| 202 | Crockett | A | 9 | 0 | $0 | 3 |
| 203 | Crosby | A | 9 | 0 | $0 | 3 |
| 204 | Culberson | A | 9 | 0 | $0 | 3 |
| 205 | Dallam | A | 9 | 0 | $0 | 3 |
| 206 | Deaf Smith | A | 9 | 0 | $0 | 3 |
| 207 | Dickens | A | 9 | 0 | $0 | 3 |
| 208 | Donley | A | 9 | 0 | $0 | 3 |
| 209 | Ector | A | 9 | 3 | $251,345 | 3 |
| 210 | Gaines | A | 9 | 0 | $0 | 3 |
| 211 | Glasscock | A | 9 | 0 | $0 | 3 |
| 212 | Gray | A | 9 | 0 | $0 | 3 |
| 213 | Hale | A | 9 | 0 | $0 | 3 |
| 214 | Hansford | A | 9 | 0 | $0 | 3 |
| 215 | Hardeman | A | 9 | 0 | $0 | 3 |
| 216 | Hartley | A | 9 | 0 | $0 | 3 |
| 217 | Hemphill | A | 9 | 0 | $0 | 3 |
| 218 | Howard | A | 9 | 1 | $110,000 | 3 |
| 219 | Hutchinson | A | 9 | 0 | $0 | 3 |
| 220 | Irion | A | 9 | 0 | $0 | 3 |
| 221 | Jack | A | 9 | 0 | $0 | 3 |
| 222 | Jeff Davis | A | 9 | 0 | $0 | 3 |
| 223 | Kent | A | 9 | 0 | $0 | 3 |
| 224 | King | A | 9 | 0 | $0 | 3 |
| 225 | Lipscomb | A | 9 | 0 | $0 | 3 |
| 226 | Loving | A | 9 | 0 | $0 | 3 |
| 227 | Martin | A | 9 | 0 | $0 | 3 |
| 228 | Midland | A | 9 | 1 | $23,817 | 3 |
| 229 | Mitchell | A | 9 | 0 | $0 | 3 |
| 230 | Moore | A | 9 | 0 | $0 | 3 |
| 231 | Ochiltree | A | 9 | 0 | $0 | 3 |
| 232 | Oldham | A | 9 | 0 | $0 | 3 |
| 233 | Parmer | A | 9 | 0 | $0 | 3 |
| 234 | Pecos | A | 9 | 0 | $0 | 3 |
| 235 | Presidio | A | 9 | 0 | $0 | 3 |
| 236 | Reagan | A | 9 | 0 | $0 | 3 |
| 237 | Roberts | A | 9 | 0 | $0 | 3 |
| 238 | Runnels | A | 9 | 0 | $0 | 3 |
| 239 | Scurry | A | 9 | 0 | $0 | 3 |
| 240 | Sherman | A | 9 | 0 | $0 | 3 |
| 241 | Stonewall | A | 9 | 0 | $0 | 3 |
| 242 | Swisher | A | 9 | 0 | $0 | 3 |
| 243 | Upton | A | 9 | 0 | $0 | 3 |
| 244 | Ward | A | 9 | 0 | $0 | 3 |
| 245 | Wheeler | A | 9 | 0 | $0 | 3 |
| 246 | Wilbarger | A | 9 | 0 | $0 | 3 |
| 247 | Winkler | A | 9 | 0 | $0 | 3 |
| 248 | Yoakum | A | 9 | 0 | $0 | 3 |
| 249 | Fannin | A | 8 | 5 | $130,283 | 7 |
| 250 | Tarrant | A | 8 | 28 | $439,324 | 11 |
| 251 | Collin | A | 7 | 9 | $161,474 | 7 |
| 252 | Denton | A | 7 | 13 | $227,073 | 7 |
| 253 | Llano | A | 7 | 20 | $948,937 | 7 |
| 254 | Limestone | A | 6 | 8 | $63,397 | 6 |
| 255 | McLennan | A | 6 | 11 | $198,386 | 7 |