Natural disaster risk in Texas

How disaster-prone is Texas?

Texas (TX) sits at a low level of federally recognized natural-disaster risk, with 34 FEMA disaster declarations on record — including 8 Major Disaster declarations (DR) that triggered full federal individual and public assistance. The dominant declaration type is Fire, followed by Flood (3), Hurricane (2), Severe Ice Storm (2). Declaration counts at the state level reflect the cumulative federal footprint: large multi-county events count once per state, but repeat hazard patterns across decades are visible in the breakdown below.

NOAA's Storm Events Database adds the near-term severe-weather lens. Between 2015 and 2025, Texas recorded 58,950 individual storm events, causing 1,100 fatalities and 3,754 injuries, with combined property and crop damage estimated at $71.5B. The most frequent event types in the state are Hail (15,525 events), Thunderstorm Wind (11,498 events), Drought (7,643 events). Across the state's 254 analyzed counties, FEMA's National Risk Index flags 16 as high-risk, with an average county composite risk score of 49.0/100.

NFIP claims data is limited or absent for this state in the current extract, which usually indicates low flood-policy penetration rather than zero flood risk. The highest-Expected-Annual-Loss hazard across the state is Tornado, estimated at $2.4B annually. Drill into individual counties for localized risk, read FEMA's hazard-specific briefings, and review insurance and flood-zone designations — state-level averages can mask sharp county-to-county differences in exposure and resilience.