{
  "county_name": "Kerr County",
  "county_fips": "48265",
  "whole_record": {
    "as_of": "2026-05",
    "window": "whole NFIP record",
    "claims": 238,
    "total_paid_usd": 16557283.960000003,
    "nominal": true,
    "dollar_note": "nominal dollars — not adjusted for inflation",
    "first_year": 1978,
    "last_year": 2025,
    "peak_year": 2025,
    "peak_share": 0.4369747899159664
  },
  "normalized_context": {
    "policies_per_1000_homes": {
      "as_of": "2026-07-20",
      "value": 18.102372034956304,
      "state_rank": 49,
      "ranked_counties": 254
    },
    "paid_claims_per_1000_homes": {
      "as_of": "2026-05",
      "value": 0.1560549313358302,
      "state_rank": 87,
      "ranked_counties": 254,
      "from_year": 2020,
      "through_year": 2024
    }
  },
  "claims_by_year": {
    "as_of": "2026-05",
    "nominal": true,
    "dollar_note": "nominal dollars — not adjusted for inflation",
    "provisional_years": [
      2025
    ],
    "series": [
      {
        "year": 1978,
        "claims": 11
      },
      {
        "year": 1979,
        "claims": 1
      },
      {
        "year": 1981,
        "claims": 2
      },
      {
        "year": 1985,
        "claims": 2
      },
      {
        "year": 1986,
        "claims": 1
      },
      {
        "year": 1987,
        "claims": 14
      },
      {
        "year": 1988,
        "claims": 1
      },
      {
        "year": 1991,
        "claims": 1
      },
      {
        "year": 1992,
        "claims": 1
      },
      {
        "year": 1993,
        "claims": 1
      },
      {
        "year": 1994,
        "claims": 1
      },
      {
        "year": 1996,
        "claims": 4
      },
      {
        "year": 2000,
        "claims": 13
      },
      {
        "year": 2001,
        "claims": 2
      },
      {
        "year": 2002,
        "claims": 47
      },
      {
        "year": 2004,
        "claims": 2
      },
      {
        "year": 2005,
        "claims": 1
      },
      {
        "year": 2007,
        "claims": 9
      },
      {
        "year": 2012,
        "claims": 3
      },
      {
        "year": 2014,
        "claims": 1
      },
      {
        "year": 2015,
        "claims": 1
      },
      {
        "year": 2016,
        "claims": 9
      },
      {
        "year": 2018,
        "claims": 1
      },
      {
        "year": 2019,
        "claims": 1
      },
      {
        "year": 2020,
        "claims": 2
      },
      {
        "year": 2021,
        "claims": 0
      },
      {
        "year": 2022,
        "claims": 0
      },
      {
        "year": 2023,
        "claims": 0
      },
      {
        "year": 2024,
        "claims": 2
      },
      {
        "year": 2025,
        "claims": 104,
        "provisional": true,
        "median_paid_usd": 133546.66
      },
      {
        "year": 2026,
        "claims": 0,
        "year_to_date": true
      }
    ]
  },
  "sources": {
    "as_of": {
      "nfip_claims": "2026-05",
      "nfip_policies": "2026-07-20",
      "declarations": "2026-07",
      "noaa": "2026-03",
      "sdwis": "2026Q3",
      "acs": "2026-07-20"
    },
    "items": [
      {
        "name": "FEMA — NFIP Redacted Claims v2",
        "url": "https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2",
        "as_of": "2026-05",
        "public_domain": true
      },
      {
        "name": "FEMA — NFIP Redacted Policies v2",
        "url": "https://www.fema.gov/openfema-data-page/fima-nfip-redacted-policies-v2",
        "as_of": "2026-07-20",
        "public_domain": true
      },
      {
        "name": "FEMA — Disaster Declarations Summaries v2",
        "url": "https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2",
        "as_of": "2026-07",
        "public_domain": true
      },
      {
        "name": "NOAA — Storm Events Database",
        "url": "https://www.ncdc.noaa.gov/stormevents/",
        "as_of": "2026-03",
        "public_domain": true
      },
      {
        "name": "EPA — Safe Drinking Water Information System",
        "url": "https://enviro.epa.gov/envirofacts/sdwis/search",
        "as_of": "2026Q3",
        "public_domain": true
      },
      {
        "name": "US Census — American Community Survey (5-year)",
        "url": "https://www.census.gov/programs-surveys/acs",
        "as_of": "2026-07-20",
        "public_domain": true
      }
    ]
  }
}