Hall County, Texas
Natural disaster risk, federal disaster history and flood insurance facts.
Hall County, Texas has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 65% of US counties. It ranks 159th of 254 counties in Texas. The costliest hazards here are drought, strong wind and hail. FEMA estimates about $6.7 million a year in expected losses, or roughly $2,370 per resident. Since 1989 it has been included in 16 federal disaster or emergency declarations for natural events (11 major disasters). The most recent was in February 2021 (severe winter storms). Only 1 home here carries federal flood insurance.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Hall County
- Check local water restrictions.
- Choose drought-tolerant plants.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
- Ask about the roof age and any impact-rated shingles.
- Check your home policy for a separate wind and hail deductible.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Drought | 98.8 | $4M | ||
| Strong wind | 75.9 | $689K | ||
| Hail | 79.0 | $502K | ||
| Inland flooding | 3.8 | $350K | ||
| Tornado | 31.7 | $339K | ||
| Wildfire | 74.4 | $150K | ||
| Cold wave | 13.5 | $78K | ||
| Heat wave | 24.3 | $55K | ||
| Ice storm | 49.2 | $50K | ||
| Winter weather | 43.0 | $31K | ||
| Lightning | 7.9 | $15K | ||
| Earthquake | 17.7 | $14K | ||
| Hurricane | 19.1 | $3K | ||
| Landslide | 6.9 | $8 |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is very high and community resilience is very low in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Hall County. 2020s bar runs to November 2026.
By type
Most recent
Show all 16
Texas also had 106 statewide declarations that did not name single counties.
Storm history since 1955
Tornado risk by county ›The National Weather Service has logged 480 storm reports in Hall County since 1955, with 1 death and 6 injuries and about $14.1 million in reported damage. The strongest on record here was an F4 tornado on April 17, 1970.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Apr 17, 1970 | F4 | – | 0 / 0 |
| May 11, 1982 | F3 | – | 0 / 0 |
| May 23, 2016 | EF3 | Turkey | 0 / 0 |
| May 22, 2016 | EF2 | Lakeview | 0 / 0 |
| Mar 28, 2007 | EF2 | Brice | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| May 22, 2016 | Flash Flood | Lesley | $5M |
| Aug 13, 2017 | Thunderstorm Wind | Turkey | $3M |
| May 31, 2022 | Flash Flood | Plaska | $1M |
| May 5, 2002 | Thunderstorm Wind | Memphis | $300K |
| May 11, 1982 | Tornado | – | $250K |
| Aug 23, 2001 | Hail | Memphis | $250K |
Source: NOAA Storm Events Database, county-based reports through Jun 30, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Hall County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Hall County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 1,739 housing units.
Compare in Texas
All 254 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Harris County | Inland flooding | |
| Dallas County | Inland flooding | |
| Tarrant County | Inland flooding | |
| Bexar County | Inland flooding | |
| Travis County | Inland flooding | |
| Collin County | Tornado | |
| Denton County | Tornado | |
| Hidalgo County | Hurricane |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Childress County | 12 | |
| Donley County | 16 | |
| Collingsworth County | 12 | |
| Briscoe County | 14 | |
| Cottle County | 17 | |
| Motley County | 17 |
Common questions about Hall County
What is the biggest natural hazard in Hall County?
Drought has the highest expected yearly losses in Hall County, about $4.4 million a year in FEMA's estimate. Strong wind is second at $688,683.
How many federal disasters has Hall County had?
Hall County has been included in 16 federal disaster or emergency declarations for natural events since 1989, including 11 major disasters. The most recent was Severe Winter Storms in February 2021.
Is Hall County a high-risk place to live?
Its overall rating is Very Low, 159th highest of 254 in Texas. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Hall County?
Standard home insurance does not cover flooding. About 1 in 1000 homes in Hall County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Hall County had?
NOAA records list 55 tornadoes in Hall County since 1950. The strongest was an F4 tornado on April 17, 1970. The weather service has also logged 253 hail reports and 16 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.