FEMA Records
16
Below median
Texas · FEMA + NOAA + National Risk Index
Terrell County, TX
16 FEMA disaster declarations (1965-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Fire.
- 16
- FEMA declarations
- 8
- Major disasters
- 0
- NRI risk · Very Low
- Fire
- Top hazard
The verdict
Terrell County has a nationally busy FEMA history: 16 declarations, more than 27% of counties in this registry. But the state comparison tempers that reading: the total is 23% below the Texas county mean. FEMA's separate National Risk Index places the county safer than 1%; that score models loss and vulnerability rather than counting declarations.
- Safer than 1%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 16
- FEMA declarations vs 21 national county avg
- 3
- 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 48443 · Terrell County 16 declarations · rank 2217/3,266
DECL-MID · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 16
- MAJOR-MID 50%
- RANK-LOWER #2,217
- PHOTO-FINISH Greene
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Fire
- VS-ST-BELOW -23%
Nearest declaration peer: Greene, GA (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Texas state profile
Terrell County among counties with fewer federal records
FEMA declaration records among Terrell County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Frontier · near 16
Frontier · near
16 declarations
- Greene · near 16
Greene · near
16 declarations
- Hopewell (city) · near 16
Hopewell (city) · near
16 declarations
- Terrell · this county 16
Terrell · this county
16 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Terrell County carries 16 FEMA declaration records, ranked 2217 of 3,266 counties in this registry.
Terrell County versus quieter counties in this dataset
Terrell County among lower-declaration counties nationally
FEMA disaster declarations, all-time · Terrell County
16 27th percentile higher than 27% 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
Terrell County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Terrell County is led by Riverine Flooding (about $420.7K Expected Annual Loss, Historical Loss Ratio Relatively Low), while Wildfire carries the highest National Risk Index rating (Very Low). 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 Terrell County's hazard record show?
FEMA National Risk Index
This county sits at the very bottom of FEMA's National Risk Index nationally, a composite score of 0.4/100 (rated Very Low). Projected losses are minimal, Expected Annual Loss reads Very Low (roughly $544.9K in annualized losses), and the county's exposure is shaped by a Relatively High social-vulnerability profile and Very Low community resilience. Even the county's top-rated hazard, Wildfire, only reaches Very Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 269 years here.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 3 claims and $5.2K 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 Terrell County has 16. The gap is 23% 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.
55 /100
Historical Activity Index
High historical activity
Terrell 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
16 OpenFEMA declarations, full ingest window (0.8x national county average)
County Disaster Density Moderate
10/25
16 declarations (0.8x state county average of 21)
Major Disaster Share High
13/25
8 of 16 declarations are major disasters (50%)
Hazard Diversity Very High
20/20
8 different disaster types declared in Terrell County
FEMA NRI 8-hazard radar - Terrell 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
50%
Major-heavy
NRI risk score
0
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Terrell 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 |
|---|---|---|
| Wildfire | Very Low | roughly once every 269 years |
| Landslide | Very Low | roughly once every 2 years |
| Heat Wave | Very Low | 6.4 modeled event-days per year |
| Hurricane | Very Low | roughly once every 85 years |
| Lightning | Very Low | an average of 40 times per year |
| Strong Wind | Very Low | roughly once every 4 years |
| Hail | Very Low | an average of 1.1 times per year |
| Tornado | Very Low | roughly once every 4 years |
| Cold Wave | Very Low | roughly once every 3 years |
| Riverine Flooding | Very Low | roughly once every 1 years |
| Winter Weather | Very Low | an average of 2.1 times per year |
| Earthquake | Very Low | roughly once every 3,717 years |
| Ice Storm | Very Low | roughly once every 33 years |
| Drought | No Rating | 89 modeled event-days per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Fire 4
Hurricane 3
Flood 2
Severe Ice Storm 2
Biological 2
Severe Storm 1
Drought 1
Tornado 1
What Fire declarations mean here
Fire is the most frequent declaration type on Terrell County's record, 25% 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).
Emergency - 8 50.0%
of all 16 declarations
Major Disaster - 8 50.0%
of all 16 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2024 | 1 | |
| 2021 | 2 | |
| 2020 | 2 | |
| 2011 | 1 | |
| 2008 | 1 | |
| 2006 | 1 | |
| 2005 | 3 | |
| 1999 | 1 | |
| 1998 | 1 | |
| 1993 | 1 | |
| 1965 | 1 | |
Disaster Declarations
How the 16 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 16 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3649 | FLOODING | EM | Flood | 2026-07-18 |
| 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 |
| 1999 | WILDFIRES | DR | Fire | 2011-07-01 |
| 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 |
| 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 |
| 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 Terrell 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
3
Total Paid
$5.2K
Avg Per Claim
$1.7K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 0.4/100
Expected Annual Loss
Very Low
$544.9K/year
Social Vulnerability
Relatively High
Community Resilience
Very Low
Hazard Risk Breakdown
Wildfire Very Low
Landslide Very Low
Heat Wave Very Low
Hurricane Very Low
Lightning Very Low
Strong Wind Very Low
Hail Very Low
Tornado Very Low
Cold Wave Very Low
Riverine Flooding Very Low
Winter Weather Very Low
Earthquake Very Low
Ice Storm Very Low
Drought No Rating
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: Wildfire
Wildfire risk in the model reflects fuel, terrain, weather and how much development sits in the wildland-urban interface. It is one of the few hazards where the exposure is materially changed by land management and building choices, not only by where the county happens to be.
For Terrell County the two measures on this page point the same way: Wildfire is the county's highest-rated modeled hazard (Very Low), and Fire 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
Terrell County's closest FEMA peer: Greene County, GA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Terrell County. Record similarity, not a safety rating.
Closest declaration profiles
Terrell County shows 16 FEMA declarations, led by Fire.
Similar Major-disaster share
Terrell County: 8 of 16 of its declarations are Major.
Similar modeled NRI score
Terrell County: NRI composite 0.4 (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 Terrell County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Terrell 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: 0.4 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 16. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 16 FEMA declarations, Terrell 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 Terrell County?
The most common disaster type in Terrell County is Fire, with 4 declarations. Other disaster types include Hurricane (3), Flood (2), Severe Ice Storm (2).
How does Terrell County's FEMA declaration record compare with the Texas average?
The typical Texas county has 20.9 FEMA declaration records; Terrell County has 16, or 23% fewer. Against the national county mean of 20.7, this county's total is 23% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Terrell County received?
Terrell County has received 8 major disaster declarations, representing 50% of all 16 disaster declarations.
How many flood insurance claims has Terrell County filed?
Terrell County has 3 National Flood Insurance Program (NFIP) claims totaling $5.2K in payments, with an average of $1.7K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Terrell County?
No. In Terrell County, Wildfire has the highest National Risk Index rating (Very Low), while Riverine Flooding leads Expected Annual Loss at about $420.7K. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Terrell County?
The most active year for disaster declarations in Terrell County was 2005, with 3 declarations. The county has FEMA disaster data spanning 1965 to 2026.
What is the FEMA National Risk Index score for Terrell County?
According to the FEMA National Risk Index, Terrell County, Texas has an overall risk score of 0.4 out of 100 (Very Low). Social vulnerability here rates Relatively High, while community resilience comes in at Very Low. The Expected Annual Loss (EAL) score is Very Low, representing $544.9K in annualized losses.
Which natural hazard poses the greatest risk to Terrell County?
FEMA's NRI data points to Terrell County as of the latest release is Wildfire (risk rating: Very Low). Other significant hazards include Landslide (Very Low) and Heat Wave (Very Low). FEMA's modeled event frequency puts wildfire here at roughly once every 269 years. The underlying methodology weighs historical event frequency against 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 Terrell County · vintage 2026-08-25 · Methodology · Texas profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events