Natural disaster risk FEMA county data
Texas natural disaster risk
Texas ranks #39 of 51 from the lowest population-weighted county-score mean in our state comparison. Its highest hazard-score means are heat wave, tornado, hail.
County-score mean
91
Very high county-score mean
Expected loss per resident
$424
per year, all hazards
Home insurance (median)
$2,251
per year with a mortgage, ACS 2024
RelocateMath computes these state means by weighting FEMA county scores by population. A mean of county percentiles is not a national state percentile or an official FEMA state rating.
The vertical line marks county-score scale midpoint (50).
Find your county's risk in Texas
All 254 county rows with a FEMA score are available below, initially ordered by population.
| County | Population | Risk score | FEMA rating |
|---|---|---|---|
| Harris County | 4,838,303 | 99.9 | Very High |
| Dallas County | 2,621,179 | 99.7 | Very High |
| Tarrant County | 2,167,390 | 99.1 | Relatively High |
| Bexar County | 2,067,341 | 99.4 | Relatively High |
| Travis County | 1,330,015 | 97.7 | Relatively High |
| Collin County | 1,163,337 | 98.9 | Relatively High |
| Denton County | 979,561 | 96.9 | Relatively High |
| Fort Bend County | 893,767 | 97.5 | Relatively High |
| Hidalgo County | 891,977 | 99.0 | Relatively High |
| El Paso County | 870,779 | 95.5 | Relatively High |
| Montgomery County | 684,432 | 95.7 | Relatively High |
| Williamson County | 672,688 | 90.1 | Relatively Moderate |
| Cameron County | 426,120 | 97.3 | Relatively High |
| Brazoria County | 391,255 | 93.6 | Relatively Moderate |
| Bell County | 386,897 | 91.1 | Relatively Moderate |
| Galveston County | 358,990 | 95.4 | Relatively High |
| Nueces County | 352,955 | 96.6 | Relatively High |
| Lubbock County | 318,884 | 96.2 | Relatively High |
| Webb County | 269,294 | 89.2 | Relatively Moderate |
| Hays County | 268,638 | 90.6 | Relatively Moderate |
| McLennan County | 266,067 | 91.2 | Relatively Moderate |
| Jefferson County | 253,878 | 95.7 | Relatively High |
| Brazos County | 242,311 | 88.4 | Relatively Moderate |
| Smith County | 241,740 | 84.2 | Relatively Moderate |
| Ellis County | 213,160 | 81.6 | Relatively Moderate |
| Johnson County | 195,597 | 86.7 | Relatively Moderate |
| Comal County | 183,826 | 92.7 | Relatively Moderate |
| Guadalupe County | 183,642 | 91.5 | Relatively Moderate |
| Midland County | 174,801 | 81.2 | Relatively Moderate |
| Kaufman County | 172,604 | 76.2 | Relatively Low |
| Parker County | 165,168 | 81.1 | Relatively Moderate |
| Ector County | 164,654 | 82.8 | Relatively Moderate |
| Randall County | 146,070 | 86.8 | Relatively Moderate |
| Taylor County | 145,863 | 83.8 | Relatively Moderate |
| Grayson County | 143,337 | 80.3 | Relatively Low |
| Wichita County | 129,996 | 81.9 | Relatively Moderate |
| Gregg County | 125,480 | 87.0 | Relatively Moderate |
| Rockwall County | 123,617 | 70.7 | Relatively Low |
| Tom Green County | 119,577 | 77.3 | Relatively Low |
| Potter County | 115,975 | 90.5 | Relatively Moderate |
| Hunt County | 108,972 | 82.2 | Relatively Moderate |
| Bastrop County | 106,582 | 81.2 | Relatively Moderate |
| Liberty County | 103,380 | 79.5 | Relatively Low |
| Bowie County | 92,115 | 79.0 | Relatively Low |
| Victoria County | 91,413 | 86.5 | Relatively Moderate |
| Angelina County | 87,275 | 71.8 | Relatively Low |
| Orange County | 85,307 | 85.9 | Relatively Moderate |
| Henderson County | 84,862 | 84.5 | Relatively Moderate |
| Coryell County | 84,748 | 63.4 | Relatively Low |
| Walker County | 80,209 | 73.8 | Relatively Low |
| Wise County | 75,005 | 59.0 | Relatively Low |
| San Patricio County | 70,181 | 85.4 | Relatively Moderate |
| Harrison County | 70,155 | 77.7 | Relatively Low |
| Starr County | 66,067 | 84.8 | Relatively Moderate |
| Hood County | 65,894 | 70.5 | Relatively Low |
| Nacogdoches County | 65,162 | 80.7 | Relatively Low |
| Van Zandt County | 62,649 | 58.8 | Relatively Low |
| Waller County | 61,552 | 70.3 | Relatively Low |
| Anderson County | 58,439 | 73.6 | Relatively Low |
| Maverick County | 58,082 | 64.2 | Relatively Low |
| Hardin County | 57,642 | 69.6 | Relatively Low |
| Navarro County | 54,711 | 75.3 | Relatively Low |
| Medina County | 53,547 | 68.7 | Relatively Low |
| Kerr County | 53,489 | 77.2 | Relatively Low |
| Rusk County | 52,842 | 54.0 | Relatively Low |
| Polk County | 52,800 | 75.6 | Relatively Low |
| Wilson County | 52,781 | 75.5 | Relatively Low |
| Burnet County | 52,652 | 76.6 | Relatively Low |
| Cherokee County | 51,886 | 61.6 | Relatively Low |
| Chambers County | 51,498 | 51.8 | Relatively Low |
| Atascosa County | 51,008 | 60.7 | Relatively Low |
| Lamar County | 50,669 | 79.5 | Relatively Low |
| Caldwell County | 48,669 | 79.8 | Relatively Low |
| Kendall County | 48,567 | 65.5 | Relatively Low |
| Val Verde County | 47,741 | 76.1 | Relatively Low |
| Wood County | 46,961 | 63.2 | Relatively Low |
| Erath County | 43,794 | 75.0 | Relatively Low |
| Cooke County | 43,046 | 73.3 | Relatively Low |
| Upshur County | 42,567 | 66.9 | Relatively Low |
| Wharton County | 41,794 | 83.0 | Relatively Moderate |
| Jim Wells County | 38,850 | 86.5 | Relatively Moderate |
| Brown County | 38,347 | 64.9 | Relatively Low |
| Hopkins County | 37,784 | 71.2 | Relatively Low |
| Hill County | 37,328 | 73.0 | Relatively Low |
| Fannin County | 37,326 | 68.1 | Relatively Low |
| Washington County | 36,647 | 72.0 | Relatively Low |
| Matagorda County | 36,329 | 80.3 | Relatively Low |
| Jasper County | 32,727 | 61.1 | Relatively Low |
| Howard County | 32,290 | 54.8 | Relatively Low |
| Hale County | 32,131 | 78.4 | Relatively Low |
| Titus County | 31,363 | 46.8 | Relatively Low |
| Grimes County | 31,340 | 57.0 | Relatively Low |
| Austin County | 31,170 | 53.1 | Relatively Low |
| Bee County | 31,083 | 62.7 | Relatively Low |
| Kleberg County | 30,579 | 84.4 | Relatively Moderate |
| Palo Pinto County | 29,295 | 55.2 | Relatively Low |
| Cass County | 28,568 | 50.8 | Relatively Low |
| San Jacinto County | 28,441 | 58.9 | Relatively Low |
| Gillespie County | 27,524 | 57.7 | Relatively Low |
| Milam County | 25,567 | 58.1 | Relatively Low |
| Fayette County | 25,042 | 58.0 | Relatively Low |
| Uvalde County | 24,881 | 70.0 | Relatively Low |
| Aransas County | 24,876 | 61.2 | Relatively Low |
| Shelby County | 24,155 | 55.7 | Relatively Low |
| Panola County | 22,726 | 55.4 | Relatively Low |
| Lampasas County | 22,715 | 29.9 | Very Low |
| Llano County | 22,424 | 70.4 | Relatively Low |
| Limestone County | 22,283 | 59.3 | Relatively Low |
| Gaines County | 22,232 | 57.6 | Relatively Low |
| Houston County | 22,051 | 60.7 | Relatively Low |
| Bandera County | 22,021 | 66.7 | Relatively Low |
| Moore County | 21,373 | 61.9 | Relatively Low |
| Hockley County | 21,363 | 51.4 | Relatively Low |
| Montague County | 21,046 | 54.9 | Relatively Low |
| Gray County | 21,045 | 59.9 | Relatively Low |
| Colorado County | 21,006 | 62.2 | Relatively Low |
| Lavaca County | 20,552 | 78.9 | Relatively Low |
| Jones County | 20,304 | 37.9 | Very Low |
| Tyler County | 20,238 | 61.0 | Relatively Low |
| Hutchinson County | 20,184 | 67.7 | Relatively Low |
| Willacy County | 20,139 | 77.5 | Relatively Low |
| Freestone County | 20,049 | 56.5 | Relatively Low |
| DeWitt County | 20,016 | 83.9 | Relatively Moderate |
| Calhoun County | 19,868 | 66.3 | Relatively Low |
| Gonzales County | 19,851 | 85.7 | Relatively Moderate |
| Burleson County | 18,857 | 29.1 | Very Low |
| Bosque County | 18,687 | 36.9 | Very Low |
| Andrews County | 18,610 | 9.0 | Very Low |
| Frio County | 18,582 | 55.9 | Relatively Low |
| Deaf Smith County | 18,460 | 61.8 | Relatively Low |
| Young County | 18,029 | 36.4 | Very Low |
| Eastland County | 18,011 | 41.2 | Very Low |
| Lee County | 17,971 | 40.5 | Very Low |
| Falls County | 17,291 | 26.2 | Very Low |
| Robertson County | 17,167 | 29.6 | Very Low |
| Scurry County | 16,488 | 30.0 | Very Low |
| Leon County | 16,263 | 58.3 | Relatively Low |
| Jackson County | 15,152 | 71.7 | Relatively Low |
| Karnes County | 14,968 | 58.4 | Relatively Low |
| Pecos County | 14,896 | 25.1 | Very Low |
| Nolan County | 14,454 | 37.8 | Very Low |
| Callahan County | 14,241 | 14.7 | Very Low |
| Trinity County | 14,046 | 60.6 | Relatively Low |
| Comanche County | 13,950 | 51.0 | Relatively Low |
| Zapata County | 13,841 | 31.4 | Very Low |
| Madison County | 13,648 | 34.9 | Very Low |
| Lamb County | 12,828 | 61.2 | Relatively Low |
| Camp County | 12,798 | 39.3 | Very Low |
| Rains County | 12,775 | 14.1 | Very Low |
| Reeves County | 12,664 | 19.1 | Very Low |
| Wilbarger County | 12,616 | 46.1 | Relatively Low |
| Blanco County | 12,446 | 33.0 | Very Low |
| Dawson County | 12,134 | 38.7 | Very Low |
| Newton County | 12,093 | 27.2 | Very Low |
| Morris County | 12,076 | 34.5 | Very Low |
| Terry County | 11,629 | 52.0 | Relatively Low |
| Live Oak County | 11,620 | 33.7 | Very Low |
| Red River County | 11,611 | 64.7 | Relatively Low |
| Ward County | 11,144 | 15.4 | Very Low |
| Franklin County | 10,632 | 24.8 | Very Low |
| Clay County | 10,495 | 14.3 | Very Low |
| Sabine County | 10,023 | 22.1 | Very Low |
| Runnels County | 9,874 | 26.5 | Very Low |
| Ochiltree County | 9,786 | 34.9 | Very Low |
| Duval County | 9,742 | 54.4 | Relatively Low |
| Marion County | 9,737 | 29.2 | Very Low |
| Parmer County | 9,731 | 81.8 | Relatively Moderate |
| Somervell County | 9,691 | 10.8 | Very Low |
| Brewster County | 9,503 | 21.1 | Very Low |
| Zavala County | 9,412 | 53.6 | Relatively Low |
| Stephens County | 9,351 | 9.2 | Very Low |
| Mitchell County | 9,018 | 19.8 | Very Low |
| Jack County | 8,882 | 11.4 | Very Low |
| Archer County | 8,867 | 7.7 | Very Low |
| Hamilton County | 8,406 | 12.8 | Very Low |
| Dimmit County | 8,380 | 35.9 | Very Low |
| San Augustine County | 7,874 | 17.6 | Very Low |
| Coleman County | 7,833 | 20.6 | Very Low |
| Yoakum County | 7,571 | 46.1 | Relatively Low |
| McCulloch County | 7,514 | 10.1 | Very Low |
| Winkler County | 7,454 | 4.1 | Very Low |
| Castro County | 7,344 | 34.4 | Very Low |
| Dallam County | 7,298 | 51.1 | Relatively Low |
| Goliad County | 7,141 | 22.6 | Very Low |
| Brooks County | 6,943 | 60.8 | Relatively Low |
| Swisher County | 6,937 | 37.4 | Very Low |
| Bailey County | 6,913 | 42.4 | Very Low |
| La Salle County | 6,839 | 22.6 | Very Low |
| Childress County | 6,743 | 19.6 | Very Low |
| Refugio County | 6,707 | 37.5 | Very Low |
| Presidio County | 5,930 | 10.2 | Very Low |
| Carson County | 5,801 | 25.2 | Very Low |
| Lynn County | 5,752 | 23.0 | Very Low |
| San Saba County | 5,696 | 7.3 | Very Low |
| Delta County | 5,438 | 8.9 | Very Low |
| Haskell County | 5,421 | 11.7 | Very Low |
| Martin County | 5,218 | 20.0 | Very Low |
| Floyd County | 5,216 | 30.7 | Very Low |
| Hartley County | 5,215 | 33.1 | Very Low |
| Hansford County | 5,119 | 42.0 | Very Low |
| Garza County | 5,118 | 20.0 | Very Low |
| Crosby County | 5,041 | 23.7 | Very Low |
| Wheeler County | 4,862 | 41.3 | Very Low |
| Jim Hogg County | 4,727 | 45.5 | Relatively Low |
| Crane County | 4,610 | 1.1 | Very Low |
| Mills County | 4,511 | 5.6 | Very Low |
| Kimble County | 4,389 | 32.2 | Very Low |
| Mason County | 3,955 | 11.0 | Very Low |
| Fisher County | 3,655 | 1.9 | Very Low |
| Hardeman County | 3,501 | 8.7 | Very Low |
| Baylor County | 3,485 | 17.5 | Very Low |
| Hudspeth County | 3,403 | 2.3 | Very Low |
| Coke County | 3,353 | 3.7 | Very Low |
| Concho County | 3,328 | 4.5 | Very Low |
| Knox County | 3,307 | 17.8 | Very Low |
| Sutton County | 3,277 | 7.1 | Very Low |
| Donley County | 3,257 | 26.6 | Very Low |
| Hemphill County | 3,234 | 16.5 | Very Low |
| Reagan County | 3,232 | 5.9 | Very Low |
| Upton County | 3,191 | 7.7 | Very Low |
| Shackelford County | 3,175 | 1.4 | Very Low |
| Kinney County | 3,157 | 2.2 | Very Low |
| Lipscomb County | 2,918 | 27.9 | Very Low |
| Crockett County | 2,822 | 5.8 | Very Low |
| Hall County | 2,820 | 34.6 | Very Low |
| Real County | 2,802 | 42.6 | Very Low |
| Collingsworth County | 2,588 | 27.4 | Very Low |
| Cochran County | 2,550 | 12.8 | Very Low |
| Schleicher County | 2,381 | 3.8 | Very Low |
| Sherman County | 2,295 | 30.3 | Very Low |
| Oldham County | 2,249 | 9.7 | Very Low |
| Culberson County | 2,195 | 11.6 | Very Low |
| Menard County | 1,955 | 3.1 | Very Low |
| Jeff Davis County | 1,865 | 2.9 | Very Low |
| Armstrong County | 1,822 | 20.0 | Very Low |
| Dickens County | 1,747 | 13.6 | Very Low |
| Throckmorton County | 1,639 | 3.3 | Very Low |
| Sterling County | 1,468 | 1.1 | Very Low |
| Irion County | 1,409 | 1.8 | Very Low |
| Cottle County | 1,368 | 12.5 | Very Low |
| Briscoe County | 1,301 | 8.7 | Very Low |
| Edwards County | 1,290 | 5.7 | Very Low |
| Stonewall County | 1,227 | 3.8 | Very Low |
| Motley County | 1,183 | 3.2 | Very Low |
| Glasscock County | 1,068 | 4.3 | Very Low |
| Foard County | 991 | 4.5 | Very Low |
| Terrell County | 835 | 0.4 | Very Low |
| Roberts County | 832 | 3.1 | Very Low |
| Kent County | 734 | 1.1 | Very Low |
| Borden County | 713 | 5.7 | Very Low |
| McMullen County | 700 | 0.6 | Very Low |
| King County | 211 | 0.3 | Very Low |
| Kenedy County | 145 | 28.4 | Very Low |
| Loving County | 33 | 0.0 | Very Low |
The county rows show FEMA's own county percentile scores and rating categories; the state figures above are our weighted means. County data cannot establish a property's safety. Expected loss is modeled annual loss per resident, not a premium quote. The insurance figure is what owners with a mortgage reported paying in 2024 (Census American Community Survey), not a current quote. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.
Lowest FEMA county risk scores in Texas
- Lampasas County 29.9
- Jones County 37.9
- Titus County 46.8
- Cass County 50.8
- Hockley County 51.4
- Chambers County 51.8
- Austin County 53.1
- Rusk County 54.0
Cities in Texas
- Dallas, TX county-score mean 96.5
- Houston, TX county-score mean 97.6
- San Antonio, TX county-score mean 95.8
- Austin, TX county-score mean 93.9
- McAllen, TX county-score mean 99
- El Paso, TX county-score mean 95.1
- Killeen, TX county-score mean 83.5
Frequently asked questions
Is Texas safe from natural disasters?
Texas's population-weighted county-score mean is 91 out of 100 (very high county-score mean), #39 of 51 from the lowest mean in our state comparison. A state average cannot show whether an individual home is safe. About 67% of residents live in counties FEMA rates relatively high or very high.
What natural disasters happen in Texas?
The highest population-weighted county hazard-score means in Texas are heat wave, tornado, hail (means 92, 91, 90 on the 0–100 county-score scale). These are not national state percentiles.
Which counties have the lowest modeled risk scores in Texas?
Among counties with at least 20,000 people, the lowest FEMA county risk scores are in Lampasas County, Jones County, Titus County. Conditions vary within each county; check an individual address separately.