Hardeman County, Texas
Natural disaster risk, federal disaster history and flood insurance facts.
Hardeman County, Texas has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 91% of US counties. It ranks 221st of 254 counties in Texas. The costliest hazards here are drought, strong wind and tornadoes. FEMA estimates about $2.5 million a year in expected losses, or roughly $716 per resident. Since 1993 it has been included in 14 federal disaster or emergency declarations for natural events (6 major disasters). The most recent was in February 2021 (severe winter storms). No homes here carry federal flood insurance.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Hardeman County
- Check local water restrictions.
- Choose drought-tolerant plants.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Drought | 82.4 | $628K | ||
| Strong wind | 67.8 | $530K | ||
| Tornado | 35.1 | $395K | ||
| Inland flooding | 4.5 | $381K | ||
| Hail | 62.6 | $244K | ||
| Heat wave | 35.0 | $104K | ||
| Ice storm | 62.7 | $88K | ||
| Cold wave | 12.5 | $67K | ||
| Wildfire | 62.0 | $57K | ||
| Earthquake | 23.3 | $22K | ||
| Winter weather | 23.2 | $12K | ||
| Lightning | 3.8 | $7K | ||
| Hurricane | 22.3 | $4K | ||
| Landslide | 18.1 | $54 |
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 Hardeman County. 2020s bar runs to November 2026.
By type
Most recent
Show all 14
Texas also had 106 statewide declarations that did not name single counties.
Storm history since 1954
Tornado risk by county ›The National Weather Service has logged 464 storm reports in Hardeman County since 1954, with 0 deaths and 2 injuries and about $1.1 million in reported damage. The strongest on record here was an F2 tornado on April 15, 2003 near Williams.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Apr 15, 2003 | F2 | Williams | 0 / 0 |
| Aug 18, 1970 | F2 | – | 1 / 0 |
| May 29, 2001 | F1 | Quanah | 1 / 0 |
| Mar 14, 1972 | F1 | – | 0 / 0 |
| May 16, 1986 | F1 | – | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| May 29, 2001 | Thunderstorm Wind | Chillicothe | $300K |
| Mar 11, 2007 | Thunderstorm Wind | Quanah Muni Arpt | $107K |
| Apr 15, 2003 | Tornado | Williams | $75K |
| May 29, 2001 | Tornado | Quanah | $60K |
| May 25, 1994 | Thunderstorm Wind | Quanah | $55K |
| May 1, 1993 | Hail | Goodlett | $50K |
Source: NOAA Storm Events Database, county-based reports through Jun 23, 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 Hardeman 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 Hardeman 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; 1,808 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 |
|---|---|---|
| Jackson County, OK | 28 | |
| Wilbarger County | 15 | |
| Childress County | 12 | |
| Harmon County, OK | 18 | |
| Cottle County | 17 | |
| Foard County | 15 |
Common questions about Hardeman County
What is the biggest natural hazard in Hardeman County?
Drought has the highest expected yearly losses in Hardeman County, about $628,397 a year in FEMA's estimate. Strong wind is second at $530,071.
How many federal disasters has Hardeman County had?
Hardeman County has been included in 14 federal disaster or emergency declarations for natural events since 1993, including 6 major disasters. The most recent was Severe Winter Storms in February 2021.
Is Hardeman County a high-risk place to live?
Its overall rating is Very Low, 221st 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 Hardeman County?
Standard home insurance does not cover flooding. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Hardeman County had?
NOAA records list 42 tornadoes in Hardeman County since 1950. The strongest was an F2 tornado on April 15, 2003 near Williams. The weather service has also logged 283 hail reports and 8 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.