FEMA Records
27
High volume
Texas · FEMA + NOAA + National Risk Index
Navarro County, TX
27 FEMA disaster declarations (1965-2024), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Severe Storm.
- 27
- FEMA declarations
- 17
- Major disasters
- 75
- NRI risk · Relatively Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Navarro County. Its 27 FEMA declarations are 29% above the Texas county mean and exceed the count for 78% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it in the riskiest 25%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Riskiest 25%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 27
- FEMA declarations vs 21 national county avg
- 108
- 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 48349 · Navarro County 27 declarations · rank 611/3,266
DECL-HEAVY · MAJOR-MID · RANK-MID · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 27
- MAJOR-MID 63%
- RANK-MID #611
- PHOTO-FINISH Greene
- NRI-LOW 75
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-ABOVE +29%
Nearest declaration peer: Greene, MO (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Texas state profile
Navarro County among high-volume declaration counties
FEMA declaration records among Navarro County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Coal · near 27
Coal · near
27 declarations
- Greene · near 27
Greene · near
27 declarations
- Navarro · this county 27
Navarro · this county
27 declarations
- Warren · near 27
Warren · near
27 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Navarro County carries 27 FEMA declaration records, ranked 611 of 3,266 counties in this registry.
Where Navarro County ranks in the national declaration registry
Navarro County vs. high-volume counties in this registry
FEMA disaster declarations, all-time · Navarro County
27 Top 22% higher than 78% 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
Navarro County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Navarro County is led by Riverine Flooding (about $9.4M Expected Annual Loss, Historical Loss Ratio Relatively Low), while Tornado 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 Navarro County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 108 paid claims, totaling $2.6M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $24.0K 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. Navarro County's 27 federal records stand 29% 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 sits among the highest-risk counties nationally on FEMA's National Risk Index, a composite score of 75.3/100 (Relatively Low). Expected Annual Loss is rated Relatively Low (roughly $26.5M in annualized losses). Social vulnerability reads Relatively High and community resilience Relatively Low, both critical modifiers of realized harm here. Of the 18 hazards FEMA models, Tornado stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at roughly once every 1 years here, based on 36 historical events on record.
72 /100
Historical Activity Index
High historical activity
Navarro 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
20/30
27 OpenFEMA declarations, full ingest window (1.3x national county average)
County Disaster Density High
16/25
27 declarations (1.3x state county average of 21)
Major Disaster Share High
16/25
17 of 27 declarations are major disasters (63%)
Hazard Diversity Very High
20/20
9 different disaster types declared in Navarro County
FEMA NRI 8-hazard radar - Navarro 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
63%
Major-heavy
NRI risk score
75
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Navarro 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 |
|---|---|---|
| Tornado | Relatively High | roughly once every 1 years |
| Strong Wind | Relatively High | an average of 3.2 times per year |
| Heat Wave | Relatively Moderate | 16 modeled event-days per year |
| Cold Wave | Relatively Moderate | roughly once every 2 years |
| Hail | Relatively Moderate | an average of 5.8 times per year |
| Wildfire | Relatively Low | roughly once every 537 years |
| Lightning | Relatively Moderate | an average of 55 times per year |
| Ice Storm | Relatively Moderate | roughly once every 1 years |
| Riverine Flooding | Relatively Low | an average of 2.1 times per year |
| Hurricane | Relatively Low | roughly once every 50 years |
| Drought | Relatively Low | 28 modeled event-days per year |
| Earthquake | Very Low | roughly once every 1,217 years |
| Winter Weather | Relatively Low | an average of 3.2 times per year |
| Landslide | 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
Severe Storm 8
Hurricane 5
Fire 4
Flood 3
Severe Ice Storm 2
Biological 2
Other 1
Drought 1
Tornado 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Navarro County's record, 30% 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 - 17 63.0%
of all 27 declarations
Emergency - 10 37.0%
of all 27 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2021 | 2 | |
| 2020 | 2 | |
| 2016 | 3 | |
| 2015 | 1 | |
| 2011 | 1 | |
| 2008 | 3 | |
| 2007 | 1 | |
| 2006 | 1 | |
| 2005 | 3 | |
| 2003 | 1 | |
| 1999 | 1 | |
| 1998 | 1 | |
| 1993 | 1 | |
| 1990 | 1 | |
Show 4 earlier declaration years
| 1989 | 1 | |
| 1973 | 1 | |
| 1966 | 1 | |
| 1965 | 1 | |
Disaster Declarations
How the 27 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 27 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 |
| 4272 | SEVERE STORMS AND FLOODING | DR | Flood | 2016-06-11 |
| 4255 | SEVERE WINTER STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2016-02-09 |
| 4245 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2015-11-25 |
| 4223 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND FLOODING | DR | Severe Storm | 2015-05-29 |
| 4029 | WILDFIRES | DR | Fire | 2011-09-09 |
| 3294 | HURRICANE IKE | EM | Hurricane | 2008-09-10 |
| 3290 | HURRICANE GUSTAV | EM | Hurricane | 2008-08-29 |
| 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 |
| 3171 | LOSS OF THE SPACE SHUTTLE COLUMBIA | EM | Other | 2003-02-01 |
| 3142 | EXTREME FIRE HAZARDS | EM | Fire | 1999-09-01 |
Show 7 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 1239 | TROPICAL STORM CHARLEY | DR | Severe Storm | 1998-08-26 |
| 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 |
| 365 | HIGH WINDS, TORNADOES AND FLOODING | DR | Severe Storm | 1973-03-12 |
| 218 | SEVERE STORMS & FLOODING | DR | Flood | 1966-05-12 |
| 199 | TORNADOES & FLOODING | DR | Tornado | 1965-06-19 |
Storm Events in Texas
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Navarro 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
108
Total Paid
$2.6M
Avg Per Claim
$24.0K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 75.3/100
Expected Annual Loss
Relatively Low
$26.5M/year
Social Vulnerability
Relatively High
Community Resilience
Relatively Low
Hazard Risk Breakdown
Tornado Relatively High
Strong Wind Relatively High
Heat Wave Relatively Moderate
Cold Wave Relatively Moderate
Hail Relatively Moderate
Wildfire Relatively Low
Lightning Relatively Moderate
Ice Storm Relatively Moderate
Riverine Flooding Relatively Low
Hurricane Relatively Low
Drought Relatively Low
Earthquake Very Low
Winter Weather Relatively Low
Landslide 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: Tornado
Tornado exposure is the most spatially concentrated in the model: total destruction along a narrow corridor with intact property either side. County-level averages therefore understate severity badly for anyone actually in the path, and overstate it for everyone else.
For Navarro County the two measures on this page point the same way: Tornado is the county's highest-rated modeled hazard (Relatively High), and Severe Storm declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
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
Navarro County's closest FEMA peer: Juncos Municipio, PR
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Navarro County. Record similarity, not a safety rating.
Closest declaration profiles
Navarro County shows 27 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Navarro County: 17 of 27 of its declarations are Major.
Similar modeled NRI score
Navarro County: NRI composite 75.3 (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 Navarro County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Navarro 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: 75.3 (Relatively Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 27. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
Navarro County's NFIP claims file (108 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 Navarro County?
The most common disaster type in Navarro County is Severe Storm, with 8 declarations. Other disaster types include Hurricane (5), Fire (4), Flood (3).
How does Navarro County's FEMA declaration record compare with the Texas average?
FEMA lists 27 declaration records for Navarro County. That is 29% above the Texas county mean of 20.9. Its count is also 30% 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 Navarro County received?
Navarro County has received 17 major disaster declarations, representing 63% of all 27 disaster declarations.
How many flood insurance claims has Navarro County filed?
Navarro County has 108 National Flood Insurance Program (NFIP) claims totaling $2.6M in payments, with an average of $24.0K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Navarro County?
No. In Navarro County, Tornado has the highest National Risk Index rating (Relatively High), while Riverine Flooding leads Expected Annual Loss at about $9.4M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Navarro County?
The most active year for disaster declarations in Navarro County was 2005, with 3 declarations. The county has FEMA disaster data spanning 1965 to 2024.
What is the FEMA National Risk Index score for Navarro County?
According to the FEMA National Risk Index, Navarro County, Texas has an overall risk score of 75.3 out of 100 (Relatively Low). Social vulnerability here rates Relatively High, while community resilience comes in at Relatively Low. The Expected Annual Loss (EAL) score is Relatively Low, representing $26.5M in annualized losses.
Which natural hazard poses the greatest risk to Navarro County?
Based on FEMA NRI data, the highest-risk natural hazard in Navarro County is Tornado (risk rating: Relatively High). Other significant hazards include Strong Wind (Relatively High) and Heat Wave (Relatively Moderate). FEMA's modeled event frequency puts tornado here at roughly once every 1 years, drawn from 36 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 Navarro County · vintage 2026-08-25 · Methodology · Texas profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events