FEMA Records
22
Above median
Texas · FEMA + NOAA + National Risk Index
Cooke County, TX
22 FEMA disaster declarations (1966-2024), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Severe Storm.
- 22
- FEMA declarations
- 15
- Major disasters
- 73
- NRI risk · Relatively Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Cooke County. Its 22 FEMA declarations are 5% above the Texas county mean and exceed the count for 57% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it in the riskiest 27%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Riskiest 27%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 22
- FEMA declarations vs 21 national county avg
- 370
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 48097 · Cooke County 22 declarations · rank 1296/3,266
DECL-HEAVY · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 22
- MAJOR-MID 68%
- RANK-LOWER #1,296
- PHOTO-FINISH Hardy
- NRI-LOW 73
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-ABOVE +5%
Nearest declaration peer: Hardy, WV (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Texas state profile
Cooke County in the declaration-count neighbourhood
FEMA declaration records among Cooke County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Cooke · this county 22
Cooke · this county
22 declarations
- Hardy · near 22
Hardy · near
22 declarations
- Prairie · near 22
Prairie · near
22 declarations
- St. Francis · near 22
St. Francis · near
22 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Cooke County carries 22 FEMA declaration records, ranked 1296 of 3,266 counties in this registry.
How Cooke County's FEMA declaration count compares nationally
Cooke County vs. all counties in this dataset
FEMA disaster declarations, all-time · Cooke County
22 Top 43% higher than 57% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Cooke County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Cooke County is led by Riverine Flooding (about $10.2M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Drought carries the highest National Risk Index rating (Relatively High). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Cooke County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 370 paid claims, totaling $10.5M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $28.3K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
The declaration register points in the busier direction. Cooke County's 22 federal records stand 5% above the Texas county mean of 20.9. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
FEMA National Risk Index
This county carries a high composite score on FEMA's National Risk Index, 73.3/100, rated Relatively Low. Its Expected Annual Loss rating is Relatively Low (roughly $28.5M in annualized losses), and a Relatively Moderate social-vulnerability profile combined with Relatively Low community resilience shapes how much of that raw exposure becomes realized harm. Of the 18 hazards FEMA models, Drought stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at 34 modeled event-days per year here, based on 1,211 historical events on record.
64 /100
Historical Activity Index
High historical activity
Cooke County, TX · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
16/30
22 OpenFEMA declarations, full ingest window (1.1x national county average)
County Disaster Density High
13/25
22 declarations (1.1x state county average of 21)
Major Disaster Share High
17/25
15 of 22 declarations are major disasters (68%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Cooke County
FEMA NRI 8-hazard radar - Cooke County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
68%
Major-heavy
NRI risk score
73
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Cooke County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Drought | Relatively High | 34 modeled event-days per year |
| Hail | Relatively Moderate | an average of 9.4 times per year |
| Wildfire | Relatively Moderate | roughly once every 265 years |
| Tornado | Relatively High | roughly once every 1 years |
| Ice Storm | Relatively High | an average of 1.1 times per year |
| Heat Wave | Relatively Low | 16 modeled event-days per year |
| Strong Wind | Relatively Moderate | an average of 4 times per year |
| Riverine Flooding | Relatively Low | an average of 1.6 times per year |
| Landslide | Relatively Low | roughly once every 5 years |
| Earthquake | Very Low | roughly once every 870 years |
| Hurricane | Very Low | roughly once every 93 years |
| Lightning | Relatively Low | an average of 53 times per year |
| Cold Wave | Relatively Low | an average of 1.1 times per year |
| Winter Weather | Relatively Low | an average of 5.1 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 6
Flood 4
Severe Ice Storm 3
Fire 3
Hurricane 3
Biological 2
Drought 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Cooke County's record, 27% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 15 68.2%
of all 22 declarations
Emergency - 7 31.8%
of all 22 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2021 | 2 | |
| 2020 | 2 | |
| 2015 | 1 | |
| 2008 | 1 | |
| 2007 | 1 | |
| 2006 | 1 | |
| 2005 | 3 | |
| 2001 | 1 | |
| 1999 | 1 | |
| 1998 | 1 | |
| 1994 | 1 | |
| 1993 | 1 | |
| 1990 | 1 | |
| 1989 | 1 | |
Show 3 earlier declaration years
| 1982 | 1 | |
| 1975 | 1 | |
| 1966 | 1 | |
Disaster Declarations
How the 22 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 22 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4781 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | DR | Flood | 2024-05-17 |
| 4586 | SEVERE WINTER STORMS | DR | Severe Ice Storm | 2021-02-19 |
| 3554 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2021-02-14 |
| 4485 | COVID-19 PANDEMIC | DR | Biological | 2020-03-25 |
| 3458 | COVID-19 | EM | Biological | 2020-03-13 |
| 4223 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND FLOODING | DR | Severe Storm | 2015-05-29 |
| 3284 | WILDFIRES | EM | Fire | 2008-03-14 |
| 1709 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2007-06-29 |
| 1624 | EXTREME WILDFIRE THREAT | DR | Fire | 2006-01-11 |
| 1606 | HURRICANE RITA | DR | Hurricane | 2005-09-24 |
| 3261 | HURRICANE RITA | EM | Hurricane | 2005-09-21 |
| 3216 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-02 |
| 1356 | SEVERE WINTER ICE STORM | DR | Severe Ice Storm | 2001-01-08 |
| 3142 | EXTREME FIRE HAZARDS | EM | Fire | 1999-09-01 |
| 1239 | TROPICAL STORM CHARLEY | DR | Severe Storm | 1998-08-26 |
| 1026 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 1994-04-29 |
| 3113 | EXTREME FIRE HAZARD | EM | Drought | 1993-09-10 |
| 863 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1990-05-02 |
| 828 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1989-05-19 |
| 648 | SEVERE STORMS & FLOODING | DR | Flood | 1981-10-23 |
Show 2 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 454 | SEVERE STORMS & FLOODING | DR | Flood | 1974-11-30 |
| 218 | SEVERE STORMS & FLOODING | DR | Flood | 1966-05-12 |
Storm Events in Texas
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Cooke County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Hail | 14,072 | 0 | 15 | $7.4B |
| Thunderstorm Wind | 10,293 | 41 | 141 | $369.9M |
| Drought | 7,032 | 0 | 0 | $86.0K |
| Flash Flood | 4,728 | 338 | 24 | $47.6B |
| Heat | 4,079 | 119 | 405 | $0 |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
370
Total Paid
$10.5M
Avg Per Claim
$28.3K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 73.3/100
Expected Annual Loss
Relatively Low
$28.5M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Relatively Low
Hazard Risk Breakdown
Drought Relatively High
Hail Relatively Moderate
Wildfire Relatively Moderate
Tornado Relatively High
Ice Storm Relatively High
Heat Wave Relatively Low
Strong Wind Relatively Moderate
Riverine Flooding Relatively Low
Landslide Relatively Low
Earthquake Very Low
Hurricane Very Low
Lightning Relatively Low
Cold Wave Relatively Low
Winter Weather Relatively Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Drought
Drought is the slowest of the modeled hazards and the least visible: it does its damage to agriculture, water supply and soil over seasons rather than hours, so it rarely produces the kind of single-day damage that drives a disaster declaration. FEMA scores it in event-days per year rather than discrete events for exactly that reason.
Worth noting for Cooke County: the model and the federal record do NOT point at the same hazard. Drought carries the highest modeled rating (Relatively High), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Cooke County's closest FEMA peer: Lancaster County, PA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Cooke County. Record similarity, not a safety rating.
Closest declaration profiles
Cooke County shows 22 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Cooke County: 15 of 22 of its declarations are Major.
Similar modeled NRI score
Cooke County: NRI composite 73.3 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Cooke County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Cooke County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 73.3 (Relatively Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 22. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
Cooke County's NFIP claims file (370 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Cooke County?
The most common disaster type in Cooke County is Severe Storm, with 6 declarations. Other disaster types include Flood (4), Severe Ice Storm (3), Fire (3).
How does Cooke County's FEMA declaration record compare with the Texas average?
FEMA lists 22 declaration records for Cooke County. That is 5% above the Texas county mean of 20.9. Its count is also 6% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Cooke County received?
Cooke County has received 15 major disaster declarations, representing 68% of all 22 disaster declarations.
How many flood insurance claims has Cooke County filed?
Cooke County has 370 National Flood Insurance Program (NFIP) claims totaling $10.5M in payments, with an average of $28.3K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Cooke County?
No. In Cooke County, Drought has the highest National Risk Index rating (Relatively High), while Riverine Flooding leads Expected Annual Loss at about $10.2M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Cooke County?
The most active year for disaster declarations in Cooke County was 2005, with 3 declarations. The county has FEMA disaster data spanning 1966 to 2024.
What is the FEMA National Risk Index score for Cooke County?
According to the FEMA National Risk Index, Cooke County, Texas has an overall risk score of 73.3 out of 100 (Relatively Low). On social vulnerability the county rates Relatively Moderate; on community resilience, Relatively Low. The Expected Annual Loss (EAL) score is Relatively Low, representing $28.5M in annualized losses.
Which natural hazard poses the greatest risk to Cooke County?
Based on FEMA NRI data, the highest-risk natural hazard in Cooke County as of the latest release is Drought (risk rating: Relatively High). Other significant hazards include Hail (Relatively Moderate) and Wildfire (Relatively Moderate). FEMA's modeled event frequency puts drought here at 34 modeled event-days per year, drawn from 1,211 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Cooke County · vintage 2026-08-25 · Methodology · Texas profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events