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.

FloodHurricaneExtreme Heat

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.

Top 20% nationallySignificant

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.

Not an insurance quote. These figures are derived from public state Department of Insurance filings and are intended to surface market pressure signals. Actual premiums depend on parcel-specific underwriting factors and carrier availability. Consult a licensed insurance broker for a binding quote.

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

Substantial

Bottom 20% nationally (92th percentile)

Earthquake

Minimal

3 hazards locked

$19 report

Hazard
Risk Level
Score · Source
Hurricane
Top 17% nationally· FEMA
Earthquake
Bottom 20% nationally (92th percentile)· USGS

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

Top 20% nationallySignificant

Beaumont ranks in the 91th national percentile for hurricane exposure in the FEMA National Risk Index.

FEMA · National Risk Index

Earthquake Risk

Bottom 20% nationallyMinimal

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 lookup

Carrier Outlook

Texas's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.

Connect with a broker who writes in TX

Data Sources

FEMA NRINOAAUSGSUSDAEPA
Data Sources & Methodology

FEMANational Risk Index

Retrieved June 6, 2026

View source

USGSDesign Maps (ASCE 7-16)

Retrieved June 6, 2026

View source
View full methodology

Editorial Analysis

Editor's Intelligence
Reviewed June 6, 2026

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

2017Flood

Harvey rainfall impacts

Southeast Texas flooding affected neighborhoods across Jefferson County.

2008Hurricane

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.

Look up

77705

South Beaumont

Flood exposure is among the city's clearest housing issues.

Look up

77706

West End

More suburban inventory does not remove regional flood exposure.

Look up

77707

Northwest Beaumont

Heat and storm recovery costs remain important budget items.

Look up

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

Overall RiskSignificant
Expected Annual LossSignificant
Social VulnerabilitySubstantial
Community ResilienceModerate
Resident count at elevated risk
in $19 report

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Beaumont Climate Risk FAQ

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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

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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
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Federal data: FEMA, USGS, NOAA, USDA, EPA

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Pre-Purchase Audit

Tier L3

$99per property

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
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