Erath County, Texas: hazard risk
FEMA rates Erath County's overall risk Relatively Low (score 75.0 of 100, higher than 74% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by cold wave. Its storm record holds 734 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 |
|---|---|---|---|
| Cold Wave | Relatively High | 92.3 | $8.5M |
| Wildfire | Relatively Moderate | 95.5 | $3.9M |
| Tornado | Relatively Moderate | 82.8 | $4.5M |
| Lightning | Relatively Moderate | 68.6 | $470K |
| Drought | Relatively Moderate | 65.0 | $391K |
| Strong Wind | Relatively Moderate | 52.1 | $585K |
| Riverine Flooding | Relatively Low | 72.1 | $14M |
| Hail | Relatively Low | 67.8 | $505K |
| Heat Wave | Relatively Low | 58.9 | $550K |
| Winter Weather | Relatively Low | 48.4 | $60K |
| Ice Storm | Relatively Low | 30.5 | $33K |
| Hurricane | Very Low | 56.4 | $138K |
| Earthquake | Very Low | 26.1 | $49K |
| Landslide | Very Low | 25.7 | $204 |
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 | 316 | 0 | $1.6M | 105th of 254 | 1010th of 3,080 |
| Severe thunderstorm wind | 144 | 0 | $12M | 122nd of 254 | 2249th of 3,080 |
| Drought | 85 | 0 | $3.0M | 127th of 254 | 509th of 3,063 |
| Tornadoes | 46 | 0 | $62M | 135th of 254 | 1584th of 3,080 |
| Floods | 44 | 3 | $971K | 150th of 254 | 1979th of 3,080 |
| Winter storms | 41 | 1 | $941K | 106th of 254 | 2443rd of 3,077 |
| Heat | 40 | 0 | – | 86th of 254 | 694th of 3,076 |
| Extreme cold | 9 | 1 | – | 89th of 254 | 1939th of 3,076 |
| Wildfires | 4 | 0 | $1.3M | 118th of 254 | 612th of 2,972 |
| Heavy rain | 3 | 0 | – | 97th of 254 | 1700th of 3,080 |
| High wind and dust storms | 2 | 0 | $3K | 170th of 254 | 2884th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Erath County record: every hazard by year and month, the deadliest events and FEMA's declarations.