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Texas natural disaster risk

Ratings for all 254 counties, the federal disaster record and flood insurance across the state.

106major disasters since 1953 (2nd most)
$12.3Bexpected losses a year
6%of homes with flood insurance
Photo: Katie Haugland Bowen, CC BY 2.0

Texas has had 106 major federal disaster declarations for natural events since 1953. FEMA expects about $12.3 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 139 of its 254 counties, followed by drought in 50. 2 are rated Very High overall. About 6% of homes carry federal flood insurance, and the program has paid $17.4 billion on 392,075 claims here since 1978.

Very High2counties
High14counties
Moderate33counties
Low92counties

Highest overall risk

1Harris CountyVery High
2Dallas CountyVery High
3Bexar CountyHigh
4Tarrant CountyHigh
5Hidalgo CountyHigh

Lowest risk (50,000+ people)

1Rusk CountyLow
2Van Zandt CountyLow
3Wise CountyLow
4Cherokee CountyLow
5Coryell CountyLow

Top hazards

Inland floodingtop risk in 139 counties
Droughttop risk in 50 counties
Cold wavetop risk in 24 counties

Recent federal declarations

All states ›
Sep 15, 2026Hydra FireFire management
Sep 1, 2026Severe Storms, Straight-Line Winds, Tornadoes, and FloodingMajor disaster
Aug 25, 2026Ross FireFire management

Largest counties

Harris County

4,726,200 people

Very High Inland flooding

Dallas County

2,607,218 people

Very High Inland flooding

Tarrant County

2,106,939 people

High Inland flooding

Bexar County

2,007,298 people

High Inland flooding

Travis County

1,285,769 people

High Inland flooding

Collin County

1,063,649 people

High Tornado

Denton County

906,057 people

High Tornado

Hidalgo County

869,532 people

High Hurricane

El Paso County

864,454 people

High Inland flooding

Fort Bend County

822,581 people

High Inland flooding

Montgomery County

620,016 people

High Inland flooding

Williamson County

608,015 people

Moderate Inland flooding

Cities in Texas

All 132 cities ›
Houston2,328,253San Antonio1,479,835Dallas1,307,930Austin979,539Fort Worth963,194El Paso680,130Arlington397,742Corpus Christi317,419Plano290,594Lubbock264,814Laredo257,619Irving256,492Garland246,844Frisco219,304McKinney210,600

All 254 counties

NamePeopleOverall riskTop hazardDeclarationsHomes insured
Anderson County57,845LowInland flooding280.2%
Andrews County18,585Very LowInland flooding120%
Angelina County86,270LowInland flooding200.9%
Aransas County23,703LowHurricane2925.5%
Archer County8,555Very LowInland flooding191.1%
Armstrong County1,844Very LowDrought120%
Atascosa County48,813LowInland flooding190.7%
Austin County30,013LowInland flooding223.9%
Bailey County6,899Very LowDrought140.5%
Bandera County20,828LowInland flooding162%
Bastrop County97,097ModerateInland flooding291.3%
Baylor County3,465Very LowDrought170.4%
Bee County30,948LowHurricane212.9%
Bell County369,846ModerateInland flooding200.7%
Bexar County2,007,298HighInland flooding300.8%
Blanco County11,332Very LowInland flooding191.4%
Borden County627Very LowDrought130%
Bosque County18,211Very LowInland flooding230.8%
Bowie County92,789LowInland flooding240.7%
Brazoria County371,474ModerateInland flooding3222.5%
Brazos County233,555ModerateInland flooding172%
Brewster County9,511Very LowInland flooding122.8%
Briscoe County1,430Very LowDrought140%
Brooks County7,053LowCold wave213.3%
Brown County38,073LowInland flooding232.2%
Burleson County17,632Very LowInland flooding200.9%
Burnet County48,986LowInland flooding225%
Caldwell County45,866LowInland flooding221.4%
Calhoun County20,057LowHurricane2614.4%
Callahan County13,697Very LowInland flooding220.2%
Cameron County420,083HighHurricane319.7%
Camp County12,446Very LowTornado130%
Carson County5,799Very LowDrought130.3%
Cass County28,400LowInland flooding260.1%
Castro County7,365Very LowHail120.2%
Chambers County46,507LowInland flooding2022.7%
Cherokee County50,317LowInland flooding250.5%
Childress County6,414Very LowDrought120%
Clay County10,200Very LowInland flooding190.8%
Cochran County2,539Very LowDrought140.1%
Coke County3,276Very LowInland flooding150.3%
Coleman County7,673Very LowInland flooding160.3%
Collin County1,063,649HighTornado170.5%
Collingsworth County2,652Very LowDrought121.4%
Colorado County20,532LowInland flooding183.4%
Comal County161,300ModerateInland flooding262.4%
Comanche County13,573LowInland flooding170.4%
Concho County2,289Very LowDrought130.1%
Cooke County41,622LowInland flooding201%
Coryell County82,841LowInland flooding210.5%
Cottle County1,367Very LowDrought170%
Crane County4,675Very LowInland flooding100%
Crockett County3,087Very LowInland flooding141%
Crosby County5,131Very LowDrought140.3%
Culberson County2,188Very LowDrought100.5%
Dallam County7,070LowDrought90.3%
Dallas County2,607,218Very HighInland flooding250.8%
Dawson County12,428Very LowCold wave140.2%
Deaf Smith County18,563LowCold wave130.1%
Delta County5,227Very LowTornado160%
Denton County906,057HighTornado210.7%
DeWitt County19,811ModerateInland flooding202.4%
Dickens County1,761Very LowDrought140%
Dimmit County8,588Very LowHeat wave170.6%
Donley County3,257Very LowDrought160.3%
Duval County9,819LowCold wave190.5%
Eastland County17,645Very LowInland flooding240.9%
Ector County165,100ModerateInland flooding131.5%
Edwards County1,420Very LowInland flooding180%
El Paso County864,454HighInland flooding131.1%
Ellis County192,122ModerateInland flooding210.8%
Erath County42,536LowInland flooding160.4%
Falls County16,926Very LowInland flooding140%
Fannin County35,615LowDrought181%
Fayette County24,410LowInland flooding221.4%
Fisher County3,647Very LowDrought140%
Floyd County5,371Very LowHail140%
Foard County1,095Very LowDrought150.1%
Fort Bend County822,581HighInland flooding2615.4%
Franklin County10,335Very LowTornado170.2%
Freestone County19,384LowCold wave170.4%
Frio County18,315LowInland flooding170.1%
Gaines County21,570LowCold wave120.1%
Galveston County350,477HighInland flooding2942.2%
Garza County5,779Very LowDrought150.1%
Gillespie County26,686LowInland flooding181.2%
Glasscock County1,102Very LowDrought110%
Goliad County7,007Very LowHurricane191.5%
Gonzales County19,595ModerateInland flooding201.7%
Gray County21,215LowDrought140%
Grayson County135,451LowInland flooding180.5%
Gregg County124,154ModerateTornado200.6%
Grimes County29,203LowInland flooding262%
Guadalupe County172,522ModerateInland flooding213.6%
Hale County32,413LowHail130.5%
Hall County2,817Very LowDrought160.1%
Hamilton County8,208Very LowInland flooding160.1%
Hansford County5,283Very LowDrought110.1%
Hardeman County3,547Very LowDrought140%
Hardin County56,129LowInland flooding2912.2%
Harris County4,726,200Very HighInland flooding3916.6%
Harrison County68,645LowInland flooding250.5%
Hartley County5,380Very LowDrought110.1%
Haskell County5,414Very LowInland flooding151.9%
Hays County240,800ModerateInland flooding252.3%
Hemphill County3,382Very LowDrought120%
Henderson County81,982ModerateCold wave220.6%
Hidalgo County869,532HighHurricane303.7%
Hill County35,826LowCold wave230.5%
Hockley County21,365LowHail140.5%
Hood County61,567LowInland flooding191.7%
Hopkins County36,691LowInland flooding190.4%
Houston County22,033LowCold wave260.8%
Howard County34,838LowInland flooding180.4%
Hudspeth County3,194Very LowDrought110.4%
Hunt County99,916ModerateTornado150.4%
Hutchinson County20,595LowDrought170.1%
Irion County1,511Very LowWildfire110.7%
Jack County8,459Very LowInland flooding170.2%
Jackson County14,955LowHurricane216.5%
Jasper County32,905LowInland flooding302.4%
Jeff Davis County1,996Very LowWildfire160.8%
Jefferson County256,386HighHurricane2822%
Jim Hogg County4,819LowCold wave210.5%
Jim Wells County38,813ModerateCold wave292.9%
Johnson County179,719ModerateTornado160.8%
Jones County19,599Very LowInland flooding221.2%
Karnes County14,673LowInland flooding140.4%
Kaufman County145,255LowInland flooding170.5%
Kendall County44,221LowInland flooding222.6%
Kenedy County345Very LowCold wave190.8%
Kent County741Very LowDrought130%
Kerr County52,529LowInland flooding192.4%
Kimble County4,271Very LowInland flooding191.8%
King County262Very LowInland flooding150%
Kinney County3,126Very LowInland flooding140.7%
Kleberg County30,907ModerateCold wave224.6%
Knox County3,353Very LowDrought150.1%
La Salle County6,631Very LowCold wave170.1%
Lamar County50,073LowTornado220.7%
Lamb County13,016LowHail140.1%
Lampasas County21,627Very LowInland flooding171.3%
Lavaca County20,309LowInland flooding171.5%
Lee County17,463Very LowCold wave200.4%
Leon County15,666LowCold wave270.4%
Liberty County91,492LowInland flooding365.9%
Limestone County22,127LowCold wave180.7%
Lipscomb County3,059Very LowDrought90.9%
Live Oak County11,305Very LowCold wave222%
Llano County21,199LowInland flooding157.1%
Loving County64Very LowInland flooding90%
Lubbock County309,719HighDrought180.8%
Lynn County5,545Very LowHail160%
Madison County13,446Very LowCold wave250.6%
Marion County9,713Very LowInland flooding200.3%
Martin County5,229Very LowInland flooding130.4%
Mason County3,946Very LowInland flooding190.5%
Matagorda County36,214LowHurricane2715.1%
Maverick County57,872LowInland flooding140.7%
McCulloch County7,611Very LowInland flooding170.4%
McLennan County260,302ModerateInland flooding201%
McMullen County600Very LowInland flooding151.9%
Medina County49,586LowInland flooding181.9%
Menard County1,956Very LowInland flooding175.9%
Midland County169,849ModerateInland flooding171.9%
Milam County24,623LowInland flooding200.4%
Mills County4,448Very LowInland flooding150.1%
Mitchell County8,970Very LowInland flooding120.1%
Montague County19,947LowDrought200.8%
Montgomery County620,016HighInland flooding3610.7%
Moore County21,335LowDrought130.1%
Morris County11,941Very LowTornado160.3%
Motley County1,063Very LowDrought170%
Nacogdoches County64,450LowInland flooding250.6%
Navarro County52,568LowInland flooding240.7%
Newton County12,151Very LowInland flooding284.5%
Nolan County14,710Very LowInland flooding181%
Nueces County352,623HighHurricane3117.4%
Ochiltree County10,012Very LowDrought120%
Oldham County1,739Very LowDrought110%
Orange County84,645ModerateHurricane2829.8%
Palo Pinto County28,396LowInland flooding251%
Panola County22,480LowInland flooding210.1%
Parker County148,033ModerateTornado231%
Parmer County9,859ModerateDrought130%
Pecos County15,175Very LowInland flooding140.2%
Polk County49,569LowInland flooding272.5%
Potter County118,502ModerateHail180.4%
Presidio County6,114Very LowInland flooding120.6%
Rains County12,154Very LowTornado150.2%
Randall County140,728ModerateTornado160.6%
Reagan County3,366Very LowDrought110%
Real County2,757Very LowInland flooding186.3%
Red River County11,567LowIce storm240%
Reeves County14,701Very LowInland flooding110.3%
Refugio County6,741Very LowHurricane263.3%
Roberts County826Very LowDrought120%
Robertson County16,721Very LowInland flooding161.8%
Rockwall County107,791LowTornado140.5%
Runnels County9,874Very LowInland flooding110.2%
Rusk County52,076LowInland flooding240.3%
Sabine County9,848Very LowInland flooding230.1%
San Augustine County7,902Very LowInland flooding230.9%
San Jacinto County27,373LowInland flooding302.3%
San Patricio County68,653ModerateHurricane329%
San Saba County5,728Very LowInland flooding203.7%
Schleicher County2,448Very LowDrought140.1%
Scurry County16,902Very LowInland flooding130.1%
Shackelford County3,100Very LowInland flooding160.9%
Shelby County23,936LowInland flooding240.2%
Sherman County2,781Very LowDrought100%
Smith County233,253ModerateInland flooding300.6%
Somervell County9,202Very LowInland flooding181.4%
Starr County65,565ModerateCold wave210.9%
Stephens County9,089Very LowInland flooding212.7%
Sterling County1,371Very LowDrought120%
Stonewall County1,245Very LowDrought140%
Sutton County3,362Very LowInland flooding160.7%
Swisher County6,962Very LowHail130.4%
Tarrant County2,106,939HighInland flooding250.9%
Taylor County143,142ModerateInland flooding203.8%
Terrell County757Very LowInland flooding140.3%
Terry County11,818LowCold wave130.1%
Throckmorton County1,440Very LowDrought180.1%
Titus County31,242LowInland flooding190.2%
Tom Green County119,849LowInland flooding191.4%
Travis County1,285,769HighInland flooding352%
Trinity County13,573LowCold wave250.5%
Tyler County19,755LowInland flooding301.1%
Upshur County40,809LowInland flooding210.2%
Upton County3,308Very LowDrought110%
Uvalde County24,512LowInland flooding192%
Val Verde County47,488LowInland flooding151.1%
Van Zandt County59,476LowInland flooding180.5%
Victoria County91,218ModerateHurricane262.8%
Walker County76,299LowInland flooding362.4%
Waller County56,764LowInland flooding2711%
Ward County11,622Very LowInland flooding90.1%
Washington County35,781LowInland flooding181.4%
Webb County266,380ModerateInland flooding210.7%
Wharton County41,544ModerateHurricane2410%
Wheeler County4,983Very LowDrought120.3%
Wichita County129,191ModerateInland flooding221.3%
Wilbarger County12,869LowDrought150.3%
Willacy County19,979LowCold wave279.7%
Williamson County608,015ModerateInland flooding231.1%
Wilson County49,651LowInland flooding160.9%
Winkler County7,780Very LowDrought100%
Wise County68,550LowInland flooding200.5%
Wood County44,798LowInland flooding140.3%
Yoakum County7,671LowInland flooding101%
Young County17,845Very LowInland flooding190.7%
Zapata County13,865Very LowCold wave130.5%
Zavala County9,653LowInland flooding181.4%

Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.