FEMA Records
15
Below median
Texas · FEMA + NOAA + National Risk Index
Terry County, TX
15 FEMA disaster declarations (1992-2021), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Hurricane.
- 15
- FEMA declarations
- 9
- Major disasters
- 52
- NRI risk · Relatively Low
- Hurricane
- Top hazard
The verdict
Terry County has a nationally busy FEMA history: 15 declarations, more than 23% of counties in this registry. But the state comparison tempers that reading: the total is 28% below the Texas county mean. FEMA's separate National Risk Index places the county in the riskiest 48%; that score models loss and vulnerability rather than counting declarations.
- Riskiest 48%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 15
- FEMA declarations vs 21 national county avg
- 13
- 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 48445 · Terry County 15 declarations · rank 2404/3,266
DECL-MID · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 15
- MAJOR-MID 60%
- RANK-LOWER #2,404
- PHOTO-FINISH Polk
- NRI-LOW 52
- ACT-HIGH High
- TYPE-LEAD Hurricane
- VS-ST-BELOW -28%
Nearest declaration peer: Polk, OR (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Texas state profile
Terry County among counties with fewer federal records
FEMA declaration records among Terry County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Flathead · near 15
Flathead · near
15 declarations
- Murray · near 15
Murray · near
15 declarations
- Polk · near 15
Polk · near
15 declarations
- Terry · this county 15
Terry · this county
15 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Terry County carries 15 FEMA declaration records, ranked 2404 of 3,266 counties in this registry.
Terry County versus quieter counties in this dataset
Terry County among lower-declaration counties nationally
FEMA disaster declarations, all-time · Terry County
15 23rd percentile higher than 23% 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
Terry County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Terry County is led by Cold Wave (about $4.4M Expected Annual Loss, Historical Loss Ratio Relatively High), while Hail 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 Terry County's hazard record show?
FEMA National Risk Index
This county carries a high composite score on FEMA's National Risk Index, 52.0/100, rated Relatively Low. Its Expected Annual Loss rating is Very Low (roughly $12.2M in annualized losses), and a Relatively High social-vulnerability profile combined with Very Low community resilience shapes how much of that raw exposure becomes realized harm. Of the 18 hazards FEMA models, Hail stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at an average of 4.4 times per year here, based on 168 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 13 claims and $84.4K 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 Terry County has 15. The gap is 28% 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.
48 /100
Historical Activity Index
Moderate historical activity
Terry 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
11/30
15 OpenFEMA declarations, full ingest window (0.7x national county average)
County Disaster Density Moderate
9/25
15 declarations (0.7x state county average of 21)
Major Disaster Share High
15/25
9 of 15 declarations are major disasters (60%)
Hazard Diversity High
13/20
5 different disaster types declared in Terry County
FEMA NRI 8-hazard radar - Terry 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
60%
Major-heavy
NRI risk score
52
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Terry 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 |
|---|---|---|
| Hail | Relatively High | an average of 4.4 times per year |
| Drought | Relatively High | 102 modeled event-days per year |
| Cold Wave | Relatively Moderate | roughly once every 1 years |
| Winter Weather | Relatively Moderate | an average of 6.5 times per year |
| Strong Wind | Relatively Moderate | an average of 2 times per year |
| Wildfire | Very Low | roughly once every 365 years |
| Tornado | Relatively Low | roughly once every 2 years |
| Hurricane | Very Low | roughly once every 100 years |
| Ice Storm | Relatively Low | roughly once every 3 years |
| Heat Wave | Very Low | 2.4 modeled event-days per year |
| Lightning | Relatively Low | an average of 47 times per year |
| Earthquake | Very Low | roughly once every 4,505 years |
| Riverine Flooding | Very Low | roughly once every 2 years |
| Landslide | Very Low | roughly once every 13 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 Storm 3
Severe Ice Storm 2
Biological 2
What Hurricane declarations mean here
Hurricane is the most frequent declaration type on Terry County's federal record, 27% 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 - 9 60.0%
of all 15 declarations
Emergency - 6 40.0%
of all 15 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2021 | 2 | |
| 2020 | 2 | |
| 2016 | 1 | |
| 2011 | 1 | |
| 2010 | 1 | |
| 2008 | 1 | |
| 2006 | 1 | |
| 2005 | 3 | |
| 1999 | 1 | |
| 1998 | 1 | |
| 1992 | 1 | |
Disaster Declarations
How the 15 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 15 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 |
| 4255 | SEVERE WINTER STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2016-02-09 |
| 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 |
| 3142 | EXTREME FIRE HAZARDS | EM | Fire | 1999-09-01 |
| 1239 | TROPICAL STORM CHARLEY | DR | Severe Storm | 1998-08-26 |
| 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 Terry 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
13
Total Paid
$84.4K
Avg Per Claim
$6.5K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 52.0/100
Expected Annual Loss
Very Low
$12.2M/year
Social Vulnerability
Relatively High
Community Resilience
Very Low
Hazard Risk Breakdown
Hail Relatively High
Drought Relatively High
Cold Wave Relatively Moderate
Winter Weather Relatively Moderate
Strong Wind Relatively Moderate
Wildfire Very Low
Tornado Relatively Low
Hurricane Very Low
Ice Storm Relatively Low
Heat Wave Very Low
Lightning Relatively Low
Earthquake Very Low
Riverine Flooding Very 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: Hail
Hail is among the most expensive hazards in the model relative to how little it threatens life. It concentrates on roofs, vehicles and crops, and a single severe storm can generate an insurance loss across a metropolitan area without a single injury.
Worth noting for Terry County: the model and the federal record do NOT point at the same hazard. Hail 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
Terry County's closest FEMA peer: Rush County, IN
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Terry County. Record similarity, not a safety rating.
Closest declaration profiles
Terry County shows 15 FEMA declarations, led by Hurricane.
Similar Major-disaster share
Terry County: 9 of 15 of its declarations are Major.
Similar modeled NRI score
Terry County: NRI composite 52.0 (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 Terry County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Terry 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: 52.0 (Relatively Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 15. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 15 FEMA declarations, Terry 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 Terry County?
The most common disaster type in Terry County is Hurricane, with 4 declarations. Other disaster types include Fire (4), Severe Storm (3), Severe Ice Storm (2).
How does Terry County's FEMA declaration record compare with the Texas average?
The typical Texas county has 20.9 FEMA declaration records; Terry County has 15, or 28% fewer. Against the national county mean of 20.7, this county's total is 28% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Terry County received?
Terry County has received 9 major disaster declarations, representing 60% of all 15 disaster declarations.
How many flood insurance claims has Terry County filed?
Terry County has 13 National Flood Insurance Program (NFIP) claims totaling $84.4K in payments, with an average of $6.5K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Terry County?
No. In Terry County, Hail has the highest National Risk Index rating (Relatively High), while Cold Wave leads Expected Annual Loss at about $4.4M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Terry County?
The most active year for disaster declarations in Terry 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 Terry County?
According to the FEMA National Risk Index, Terry County, Texas has an overall risk score of 52.0 out of 100 (Relatively Low). On social vulnerability the county rates Relatively High; on community resilience, Very Low. The Expected Annual Loss (EAL) score is Very Low, representing $12.2M in annualized losses.
Which natural hazard poses the greatest risk to Terry County?
Based on FEMA NRI data, the highest-risk natural hazard in Terry County is Hail (risk rating: Relatively High). Other significant hazards include Drought (Relatively High) and Cold Wave (Relatively Moderate). FEMA's modeled event frequency puts hail here at an average of 4.4 times per year, drawn from 168 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 Terry County · vintage 2026-08-25 · Methodology · Texas profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events