City Risk Report
Beaumont, TX
Jefferson County · Pop. 115,282
County-level composite · does not reflect parcel-specific conditions
Beaumont deserves a straight flood-first analysis rather than being treated as a secondary Southeast Texas market.
Editorial review: 2026-06-06 · Data retrieved: Jun 6, 2026 at 00:00 UTC (snapshot of historical values) · For the latest live data, run a lookup on the Snapshot tool.
Overall Risk Score
Top 20% nationally
County-level composite · does not reflect parcel-specific conditions
Overall Risk
Top 19% nationally
County-level composite · does not reflect parcel-specific conditions
Expected Loss
$19 report reveals this
Est. Insurance
$19 report reveals this
Last Major Event
2017
Harvey rainfall impacts
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Insurance market data for Texas is band-only in the free snapshot. The full report includes admitted-carrier share, YoY exit rate, and the FAIR Plan / Citizens last-resort premium range.
$19 report
Premium Strain Index
Band: severe· specific % in $19 report
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $2,200 to $5,900. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Jefferson County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Top 17% nationally
Hurricane
SubstantialBottom 20% nationally (92th percentile)
Earthquake
Minimal3 hazards locked
$19 report
3 more hazards in the $19 report
Includes score, source, and 30-year projection
What each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
Beaumont ranks in the 91th national percentile for hurricane exposure in the FEMA National Risk Index.
FEMA · National Risk Index
Earthquake Risk
Beaumont peak ground acceleration is 0.038g (USGS Design Maps, site class D). For parcel-specific assessment, run an address lookup.
USGS · Design Maps (ASCE 7-16)
3 buyer action checklists locked
The full $19 report includes step-by-step buyer actions for every hazard — flood insurance quotes, defensible-space specs, wind mitigation forms, and HVAC sizing per zone.
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
Texas's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Connect with a broker who writes in TXData Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved June 6, 2026
USGS— Design Maps (ASCE 7-16)
Retrieved June 6, 2026
Editorial Analysis
Hurricane Harvey's rainfall reached Jefferson County in August 2017, affecting neighborhoods across Beaumont's flood-sensitive drainage system. The city's flood score of 90 sits at the 96th national percentile—extreme band—in a market that lacks Houston's metropolitan scale but carries comparable flood exposure at the neighborhood level. Hurricane Ike in 2008 added a second data point: regional wind and surge impacts reset local risk memory in a city where the connection between industrial corridor flooding and residential recovery complexity is direct and persistent. We checked twice: South Beaumont's flood exposure is the city's clearest housing issue—not a submarket quirk but a structural condition that shapes underwriting for the entire 77705 corridor. Annual premiums range from $2,200 to $5,900, and flood claims history surfaces in more neighborhoods than buyers typically expect when arriving from markets outside Southeast Texas. Industrial adjacency—Beaumont sits within the broader Beaumont-Port Arthur petrochemical corridor—can add recovery complexity after major events: access delays, air quality concerns, and contractor availability constraints compound the timeline. Heat at the 84th national percentile adds a third pressure that gets less attention than flood and hurricane exposure but drives monthly operating costs year-round. The hurricane score of 83, at the 91st national percentile, reflects genuine wind and surge exposure that positions Beaumont well above the national average without reaching the extreme band. Downtown's 77701 corridor faces drainage constraints that interact with industrial infrastructure in ways that standard residential flood assessments do not fully capture. Beaumont deserves a flood-first analysis—not a secondary treatment as an adjunct to the Houston market story.
— Open Data Collective
Full editorial analysis — including neighborhood-level variations, block-by-block flood overlays, and a tailored insurance-market outlook — is available in the $19 address report.
Historical Events
Harvey rainfall impacts
Southeast Texas flooding affected neighborhoods across Jefferson County.
Hurricane Ike
Regional wind and surge impacts still inform local risk expectations.
ZIP Code Risk Profile
Representative ZIP Codes
77701
Downtown
Drainage and industrial corridor flooding shape local risk.
77705
South Beaumont
Flood exposure is among the city's clearest housing issues.
77706
West End
More suburban inventory does not remove regional flood exposure.
77707
Northwest Beaumont
Heat and storm recovery costs remain important budget items.
Risk varies significantly by ZIP code and parcel. Use the address-level report for precise, parcel-specific scores rather than city-wide averages.
NRI Score Components
County-level composite · does not reflect parcel-specific conditions
Beaumont Climate Risk FAQ
Ready to check your specific address?
Considering buying in Beaumont?
Two tiers, one funnel: run a free address lookup, then unlock the depth that fits your buying stage. Both options deliver a 12-page climate brief before you go under contract.
Full Report
Tier L2
12-page address-level deep dive delivered in minutes.
- Five-hazard score breakdown (flood, wildfire, hurricane, earthquake, heat)
- 30-year federal climate projections (FEMA, NOAA, USGS, EPA)
- Insurance premium estimate (range) based on state DOI filings
- Clear buy / negotiate / walk-away verdict, not a single ambiguous score
- 3 comparable lower-risk neighborhoods within 25 miles
- Saves you 6+ hours of digging through FEMA, NFIP, NRI and NOAA on your own
- Explains what SFHA, BFE, EAL and residual-market mean in plain English
- Single PDF you can hand to your partner, agent, or inspector in one share
Best for: pre-offer sanity check
Delivered: 5 minutes after payment
Federal data: FEMA, USGS, NOAA, USDA, EPA
Pre-Purchase Audit
Tier L3
Adds parcel-level flood evaluation, state insurance-market context, claim history, and a negotiation brief on top of the $19 report.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone + BFE considerations (point-in-polygon)
- State insurance market pressure + admitted-carrier density
- Premium Strain Index (% of county median income, vs. 5% unaffordable line)
- 10-year NOAA Storm Events claim history for the ZIP
- Negotiation leverage brief with 3-5 specific, evidence-backed asks
- Optional free connection to a licensed independent broker in your state
- Saves you from discovering an uninsurable address after you've gone under contract
- Removes guesswork on what to ask for in repairs, credits, or price reduction
- Analyst editorial sign-off so you can show your agent or lender a reviewed work product, not a raw export
Best for: under-contract buyers
Delivered: 24-hour analyst turnaround
Includes: editorial sign-off + 7-day refund