FEMA Records
17
Below median
Texas · FEMA + NOAA + National Risk Index
Garza County, TX
17 FEMA disaster declarations (1992-2021), with a FEMA National Risk Index rating of Very Low. Most common hazard: Hurricane.
- 17
- FEMA declarations
- 10
- Major disasters
- 20
- NRI risk · Very Low
- Hurricane
- Top hazard
The verdict
Garza County has a nationally busy FEMA history: 17 declarations, more than 32% of counties in this registry. But the state comparison tempers that reading: the total is 19% below the Texas county mean. FEMA's separate National Risk Index places the county safer than 20%; that score models loss and vulnerability rather than counting declarations.
- Safer than 20%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 17
- FEMA declarations vs 21 national county avg
- 1
- 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 48169 · Garza County 17 declarations · rank 2083/3,266
DECL-MID · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 17
- MAJOR-MID 59%
- RANK-LOWER #2,083
- PHOTO-FINISH Curry
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Hurricane
- VS-ST-BELOW -19%
Nearest declaration peer: Curry, OR (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Texas state profile
Garza County among counties with fewer federal records
FEMA declaration records among Garza County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Curry · near 17
Curry · near
17 declarations
- Garza · this county 17
Garza · this county
17 declarations
- Murray · near 17
Murray · near
17 declarations
- Washington · near 17
Washington · near
17 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Garza County carries 17 FEMA declaration records, ranked 2083 of 3,266 counties in this registry.
Garza County versus quieter counties in this dataset
Garza County among lower-declaration counties nationally
FEMA disaster declarations, all-time · Garza County
17 32nd percentile higher than 32% 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
Garza County's FEMA Risk Index score
What does Garza County's hazard record show?
FEMA National Risk Index
This county's FEMA National Risk Index composite lands at 20.0/100 (Very Low), a modest reading against the rest of the country. Expected Annual Loss is rated Very Low (roughly $4.7M in annualized losses), tempered or compounded by a Very High social-vulnerability score and Very Low community-resilience score. 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 75 modeled event-days per year here, based on 1,904 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 1 claim and $11.9K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Texas county averages 20.9 federal declaration records, while Garza County has 17. The gap is 19% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
52 /100
Historical Activity Index
High historical activity
Garza 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) Moderate
12/30
17 OpenFEMA declarations, full ingest window (0.8x national county average)
County Disaster Density Moderate
10/25
17 declarations (0.8x state county average of 21)
Major Disaster Share High
15/25
10 of 17 declarations are major disasters (59%)
Hazard Diversity Very High
15/20
6 different disaster types declared in Garza County
FEMA NRI 8-hazard radar - Garza 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
59%
Major-heavy
NRI risk score
20
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Garza 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 | 75 modeled event-days per year |
| Wildfire | Relatively Low | roughly once every 183 years |
| Hail | Relatively Moderate | an average of 4.9 times per year |
| Strong Wind | Relatively Low | an average of 2.1 times per year |
| Tornado | Relatively Low | roughly once every 2 years |
| Winter Weather | Relatively Low | an average of 6.4 times per year |
| Ice Storm | Relatively Low | roughly once every 3 years |
| Cold Wave | Very Low | roughly once every 1 years |
| Heat Wave | Very Low | 3 modeled event-days per year |
| Hurricane | Very Low | roughly once every 174 years |
| Earthquake | Very Low | roughly once every 3,356 years |
| Lightning | Very Low | an average of 49 times per year |
| Landslide | Very Low | roughly once every 7 years |
| Riverine Flooding | Very Low | roughly once every 1 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Fire 4
Hurricane 4
Severe Ice Storm 3
Severe Storm 3
Biological 2
Drought 1
What Hurricane declarations mean here
Hurricane is the most frequent declaration type on Garza County's federal record, 24% of its declarations. Atlantic tropical systems run on a defined season, 1 June to 30 November, with most activity concentrated between August and October; Pacific and territorial basins run on their own calendars. A single named storm routinely produces one declaration number covering a long corridor of counties at once, well inland as well as on the coast, which is why an affected county's count can jump by several in one year without several separate events having occurred.
One practical distinction matters when reading these records: a tropical declaration usually bundles wind, storm surge and inland rainfall flooding under a single incident, but the insurance behind them is split. Wind damage falls to property insurers, while flood and surge damage is covered only under a separate National Flood Insurance Program policy. That is why a county can show heavy declaration activity and a comparatively small NFIP claims record, or the reverse.
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 - 10 58.8%
of all 17 declarations
Emergency - 7 41.2%
of all 17 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2021 | 2 | |
| 2020 | 2 | |
| 2015 | 1 | |
| 2011 | 1 | |
| 2010 | 1 | |
| 2008 | 1 | |
| 2006 | 1 | |
| 2005 | 3 | |
| 2001 | 1 | |
| 1999 | 1 | |
| 1998 | 1 | |
| 1993 | 1 | |
| 1992 | 1 | |
Disaster Declarations
How the 17 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 17 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 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 |
| 1999 | WILDFIRES | DR | Fire | 2011-07-01 |
| 1931 | HURRICANE ALEX | DR | Hurricane | 2010-08-03 |
| 3284 | WILDFIRES | EM | Fire | 2008-03-14 |
| 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 |
| 3113 | EXTREME FIRE HAZARD | EM | Drought | 1993-09-10 |
| 960 | EXCESSIVE RAIN & HAIL | DR | Severe Storm | 1992-09-09 |
Storm Events in Texas
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Garza 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
1
Total Paid
$11.9K
Avg Per Claim
$11.9K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 20.0/100
Expected Annual Loss
Very Low
$4.7M/year
Social Vulnerability
Very High
Community Resilience
Very Low
Hazard Risk Breakdown
Drought Relatively High
Wildfire Relatively Low
Hail Relatively Moderate
Strong Wind Relatively Low
Tornado Relatively Low
Winter Weather Relatively Low
Ice Storm Relatively Low
Cold Wave Very Low
Heat Wave Very Low
Hurricane Very Low
Earthquake Very Low
Lightning Very Low
Landslide Very Low
Riverine Flooding Very 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 Garza 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 Hurricane. 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
Garza County's closest FEMA peer: Kosciusko County, IN
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Garza County. Record similarity, not a safety rating.
Closest declaration profiles
Garza County shows 17 FEMA declarations, led by Hurricane.
Similar Major-disaster share
Garza County: 10 of 17 of its declarations are Major.
Similar modeled NRI score
Garza County: NRI composite 20.0 (Very 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 Garza County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Garza 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: 20.0 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 17. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 17 FEMA declarations, Garza County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
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 Garza County?
The most common disaster type in Garza County is Hurricane, with 4 declarations. Other disaster types include Fire (4), Severe Ice Storm (3), Severe Storm (3).
How does Garza County's FEMA declaration record compare with the Texas average?
The typical Texas county has 20.9 FEMA declaration records; Garza County has 17, or 19% fewer. Against the national county mean of 20.7, this county's total is 18% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Garza County received?
Garza County has received 10 major disaster declarations, representing 59% of all 17 disaster declarations.
How many flood insurance claims has Garza County filed?
Garza County has 1 National Flood Insurance Program (NFIP) claims totaling $11.9K in payments, with an average of $11.9K per claim.
What was the worst year for disasters in Garza County?
The most active year for disaster declarations in Garza County was 2005, with 3 declarations. The county has FEMA disaster data spanning 1992 to 2021.
What is the FEMA National Risk Index score for Garza County?
According to the FEMA National Risk Index, Garza County, Texas has an overall risk score of 20.0 out of 100 (Very Low). On social vulnerability the county rates Very High; on community resilience, Very Low. The Expected Annual Loss (EAL) score is Very Low, representing $4.7M in annualized losses.
Which natural hazard poses the greatest risk to Garza County?
The top hazard flagged by FEMA's NRI for Garza County is Drought (risk rating: Relatively High). Other significant hazards include Wildfire (Relatively Low) and Hail (Relatively Moderate). FEMA's modeled event frequency puts drought here at 75 modeled event-days per year, drawn from 1,904 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
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 Garza County · vintage 2026-08-25 · Methodology · Texas profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events