FEMA Records
19
Below median
Texas · FEMA + NOAA + National Risk Index
McCulloch County, TX
19 FEMA disaster declarations (1989-2025), with a FEMA National Risk Index rating of Very Low. Most common hazard: Fire.
- 19
- FEMA declarations
- 11
- Major disasters
- 10
- NRI risk · Very Low
- Fire
- Top hazard
The verdict
McCulloch County has a nationally busy FEMA history: 19 declarations, more than 41% of counties in this registry. But the state comparison tempers that reading: the total is 9% below the Texas county mean. FEMA's separate National Risk Index places the county safer than 10%; that score models loss and vulnerability rather than counting declarations.
- Safer than 10%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 19
- 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 Fire Management Assistance (FM) records, which are not presidential disaster declarations, alongside Major Disaster (DR) and Emergency (EM) records.
FEMA OpenFEMA declaration desk
County FIPS 48307 · McCulloch County 19 declarations · rank 1908/3,266
DECL-MID · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 19
- MAJOR-MID 58%
- RANK-LOWER #1,908
- PHOTO-FINISH Bartow
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Fire
- VS-ST-BELOW -9%
Nearest declaration peer: Bartow, GA (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Texas state profile
McCulloch County in the declaration-count neighbourhood
FEMA declaration records among McCulloch County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Bartow · near 19
Bartow · near
19 declarations
- McCulloch · this county 19
McCulloch · this county
19 declarations
- Union · near 19
Union · near
19 declarations
- Warren · near 19
Warren · near
19 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows McCulloch County carries 19 FEMA declaration records, ranked 1908 of 3,266 counties in this registry.
How McCulloch County's FEMA declaration count compares nationally
McCulloch County vs. all counties in this dataset
FEMA disaster declarations, all-time · McCulloch County
19 41st percentile higher than 41% 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
McCulloch County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for McCulloch County is led by Riverine Flooding (about $1.5M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Drought carries the highest National Risk Index rating (Relatively Moderate). 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 McCulloch County's hazard record show?
FEMA National Risk Index
FEMA's National Risk Index places this county in the low end of the national distribution, composite score 10.1/100 (Very Low). Expected Annual Loss is rated Very Low (roughly $3.7M in annualized losses). Two modifiers shape how that exposure becomes real-world harm here: social vulnerability (Relatively High) and community resilience (Relatively Low). Among the 18 modeled hazards, Drought carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at 56 modeled event-days per year here, based on 1,603 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 $19.0K 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 McCulloch County has 19. The gap is 9% 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.
57 /100
Historical Activity Index
High historical activity
McCulloch 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
14/30
19 OpenFEMA declarations, full ingest window (0.9x national county average)
County Disaster Density Moderate
11/25
19 declarations (0.9x state county average of 21)
Major Disaster Share High
14/25
11 of 19 declarations are major disasters (58%)
Hazard Diversity Very High
18/20
7 different disaster types declared in McCulloch County
FEMA NRI 8-hazard radar - McCulloch 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
58%
Major-heavy
NRI risk score
10
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike McCulloch 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 Moderate | 56 modeled event-days per year |
| Wildfire | Relatively Low | roughly once every 367 years |
| Hail | Relatively Low | an average of 4 times per year |
| Lightning | Relatively Low | an average of 46 times per year |
| Winter Weather | Relatively Low | an average of 3.8 times per year |
| Heat Wave | Very Low | 8.4 modeled event-days per year |
| Hurricane | Very Low | roughly once every 171 years |
| Tornado | Relatively Low | roughly once every 2 years |
| Strong Wind | Relatively Low | an average of 1.2 times per year |
| Riverine Flooding | Very Low | an average of 1.1 times per year |
| Cold Wave | Very Low | roughly once every 1 years |
| Landslide | Very Low | roughly once every 8 years |
| Earthquake | Very Low | roughly once every 3,521 years |
| Ice Storm | Very Low | roughly once every 8 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Fire 5
Flood 3
Severe Storm 3
Hurricane 3
Severe Ice Storm 2
Biological 2
Drought 1
What Fire declarations mean here
Fire is the most frequent declaration type on McCulloch County's record, 26% of its declarations. Wildfire is the one hazard here with its own dedicated federal instrument: the Fire Management Assistance Grant, which appears in this data as an FM record. An FMAG can be authorised while a fire is still burning, on a timescale of hours, because its purpose is to reimburse the cost of fighting a fire that threatens to become a major disaster.
That distinction matters when comparing counties. An FM declaration is not a presidential major disaster declaration and does not carry the same assistance programmes, so a fire-heavy county's total is not directly comparable with a hurricane-heavy county's total unless the declaration types are separated, which is why they are listed separately on this page.
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 - 11 57.9%
of all 19 declarations
Emergency - 7 36.8%
of all 19 declarations
Fire Management - 1 5.3%
of all 19 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2025 | 1 | |
| 2024 | 1 | |
| 2021 | 2 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2011 | 1 | |
| 2008 | 1 | |
| 2007 | 1 | |
| 2006 | 1 | |
| 2005 | 3 | |
| 2000 | 1 | |
| 1999 | 1 | |
| 1998 | 1 | |
| 1993 | 1 | |
| 1989 | 1 | |
Disaster Declarations
How the 19 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 19 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4879 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2025-07-06 |
| 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 |
| 4416 | SEVERE STORMS AND FLOODING | DR | Flood | 2019-02-25 |
| 4029 | WILDFIRES | DR | Fire | 2011-09-09 |
| 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 |
| 2335 | TX-DEEP CREEK FIRE-9/8/00 | FM | Fire | 2000-09-08 |
| 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 |
| 828 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1989-05-19 |
Storm Events in Texas
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to McCulloch 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
$19.0K
Avg Per Claim
$19.0K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 10.1/100
Expected Annual Loss
Very Low
$3.7M/year
Social Vulnerability
Relatively High
Community Resilience
Relatively Low
Hazard Risk Breakdown
Drought Relatively Moderate
Wildfire Relatively Low
Hail Relatively Low
Lightning Relatively Low
Winter Weather Relatively Low
Heat Wave Very Low
Hurricane Very Low
Tornado Relatively Low
Strong Wind Relatively Low
Riverine Flooding Very Low
Cold Wave Very Low
Landslide Very Low
Earthquake Very Low
Ice Storm 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 McCulloch County: the model and the federal record do NOT point at the same hazard. Drought carries the highest modeled rating (Relatively Moderate), while the county's declaration history is led by Fire. 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
McCulloch County's closest FEMA peer: Patrick County, VA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for McCulloch County. Record similarity, not a safety rating.
Closest declaration profiles
McCulloch County shows 19 FEMA declarations, led by Fire.
Similar Major-disaster share
McCulloch County: 11 of 19 of its declarations are Major.
Similar modeled NRI score
McCulloch County: NRI composite 10.1 (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 McCulloch County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for McCulloch 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: 10.1 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 19. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 19 FEMA declarations, McCulloch 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 McCulloch County?
The most common disaster type in McCulloch County is Fire, with 5 declarations. Other disaster types include Flood (3), Severe Storm (3), Hurricane (3).
How does McCulloch County's FEMA declaration record compare with the Texas average?
The typical Texas county has 20.9 FEMA declaration records; McCulloch County has 19, or 9% fewer. Against the national county mean of 20.7, this county's total is 8% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has McCulloch County received?
McCulloch County has received 11 major disaster declarations, representing 58% of all 19 disaster declarations.
How many flood insurance claims has McCulloch County filed?
McCulloch County has 1 National Flood Insurance Program (NFIP) claims totaling $19.0K in payments, with an average of $19.0K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in McCulloch County?
No. In McCulloch County, Drought has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $1.5M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in McCulloch County?
The most active year for disaster declarations in McCulloch County was 2005, with 3 declarations. The county has FEMA disaster data spanning 1989 to 2025.
What is the FEMA National Risk Index score for McCulloch County?
According to the FEMA National Risk Index, McCulloch County, Texas has an overall risk score of 10.1 out of 100 (Very Low). The county's social vulnerability rating is Relatively High and community resilience is Relatively Low. The Expected Annual Loss (EAL) score is Very Low, representing $3.7M in annualized losses.
Which natural hazard poses the greatest risk to McCulloch County?
FEMA's NRI data points to McCulloch County is Drought (risk rating: Relatively Moderate). Other significant hazards include Wildfire (Relatively Low) and Hail (Relatively Low). FEMA's modeled event frequency puts drought here at 56 modeled event-days per year, drawn from 1,603 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 McCulloch County · vintage 2026-08-25 · Methodology · Texas profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events