Cooke County, Texas: hazard risk
FEMA rates Cooke County's overall risk Relatively Low (score 73.3 of 100, higher than 73% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by drought, tornado, ice storm. Its storm record holds 922 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Drought | Relatively High | 98.0 | $4.0M |
| Tornado | Relatively High | 91.5 | $7.1M |
| Ice Storm | Relatively High | 86.8 | $619K |
| Hail | Relatively Moderate | 92.7 | $1.9M |
| Wildfire | Relatively Moderate | 91.5 | $1.5M |
| Strong Wind | Relatively Moderate | 69.3 | $849K |
| Heat Wave | Relatively Low | 77.4 | $1.2M |
| Riverine Flooding | Relatively Low | 66.8 | $10M |
| Landslide | Relatively Low | 63.8 | $3K |
| Lightning | Relatively Low | 39.2 | $139K |
| Cold Wave | Relatively Low | 37.6 | $528K |
| Winter Weather | Relatively Low | 31.9 | $29K |
| Earthquake | Very Low | 54.8 | $316K |
| Hurricane | Very Low | 48.1 | $55K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 357 | 0 | $10M | 47th of 254 | 461st of 3,080 |
| Severe thunderstorm wind | 218 | 0 | $3.7M | 55th of 254 | 1681st of 3,080 |
| Drought | 85 | 0 | $240M | 79th of 254 | 318th of 3,063 |
| Floods | 76 | 4 | $46M | 88th of 254 | 1374th of 3,080 |
| Tornadoes | 62 | 7 | $150M | 53rd of 254 | 597th of 3,080 |
| Heat | 55 | 0 | – | 49th of 254 | 443rd of 3,076 |
| Winter storms | 42 | 0 | $1.5M | 74th of 254 | 2308th of 3,077 |
| Extreme cold | 8 | 0 | $201K | 74th of 254 | 1856th of 3,076 |
| Lightning | 8 | 0 | $466K | 32nd of 254 | 863rd of 3,080 |
| Heavy rain | 5 | 0 | – | 58th of 254 | 1257th of 3,080 |
| High wind and dust storms | 3 | 0 | $40K | 136th of 254 | 2779th of 3,080 |
| Wildfires | 3 | 1 | $1.4M | 125th of 254 | 647th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Cooke County record: every hazard by year and month, the deadliest events and FEMA's declarations.