Fannin County, Texas: hazard risk
FEMA rates Fannin County's overall risk Relatively Low (score 68.1 of 100, higher than 68% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by drought, ice storm. Its storm record holds 804 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 | 99.1 | $8.2M |
| Ice Storm | Relatively High | 90.8 | $1.0M |
| Heat Wave | Relatively Moderate | 89.6 | $2.9M |
| Tornado | Relatively Moderate | 87.3 | $5.9M |
| Hail | Relatively Moderate | 86.9 | $1.4M |
| Strong Wind | Relatively Moderate | 67.0 | $880K |
| Wildfire | Relatively Low | 70.1 | $173K |
| Cold Wave | Relatively Low | 62.9 | $1.6M |
| Lightning | Relatively Low | 46.3 | $203K |
| Riverine Flooding | Relatively Low | 36.5 | $4.2M |
| Winter Weather | Relatively Low | 33.2 | $34K |
| Hurricane | Very Low | 48.8 | $65K |
| Earthquake | Very Low | 46.8 | $231K |
| Landslide | Very Low | 16.9 | $78 |
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 | 260 | 0 | $2.6M | 67th of 254 | 671st of 3,080 |
| Severe thunderstorm wind | 223 | 0 | $8.0M | 50th of 254 | 1606th of 3,080 |
| Floods | 72 | 0 | $948K | 75th of 254 | 1276th of 3,080 |
| Drought | 70 | 0 | $442M | 123rd of 254 | 495th of 3,063 |
| Tornadoes | 59 | 1 | $42M | 75th of 254 | 838th of 3,080 |
| Heat | 55 | 4 | – | 51st of 254 | 445th of 3,076 |
| Winter storms | 37 | 1 | $2.9M | 85th of 254 | 2357th of 3,077 |
| Extreme cold | 8 | 3 | $1.6M | 75th of 254 | 1859th of 3,076 |
| Lightning | 7 | 0 | $201K | 33rd of 254 | 865th of 3,080 |
| Heavy rain | 5 | 0 | – | 59th of 254 | 1259th of 3,080 |
| High wind and dust storms | 4 | 0 | $41K | 115th of 254 | 2703rd of 3,080 |
| Hurricanes and tropical storms | 2 | 0 | $6K | 86th of 254 | 1001st of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Fannin County record: every hazard by year and month, the deadliest events and FEMA's declarations.