Franklin County, Texas: hazard risk
FEMA rates Franklin County's overall risk Very Low (score 24.8 of 100, higher than 24% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by ice storm. Its storm record holds 438 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 |
|---|---|---|---|
| Ice Storm | Relatively High | 88.5 | $649K |
| Tornado | Relatively Moderate | 72.3 | $2.2M |
| Drought | Relatively Moderate | 67.0 | $352K |
| Hail | Relatively Low | 67.7 | $411K |
| Heat Wave | Relatively Low | 50.5 | $309K |
| Strong Wind | Relatively Low | 49.4 | $438K |
| Cold Wave | Relatively Low | 36.3 | $456K |
| Winter Weather | Relatively Low | 28.5 | $23K |
| Wildfire | Very Low | 58.8 | $63K |
| Hurricane | Very Low | 55.5 | $103K |
| Earthquake | Very Low | 31.9 | $74K |
| Landslide | Very Low | 18.8 | $84 |
| Riverine Flooding | Very Low | 17.0 | $1.7M |
| Lightning | Very Low | 15.2 | $42K |
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. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 114 | 0 | $2.3M | 11th of 254 | 682nd of 3,080 |
| Hail | 96 | 0 | $1K | 18th of 254 | 163rd of 3,080 |
| Heat | 74 | 0 | – | 6th of 254 | 43rd of 3,076 |
| Drought | 56 | 0 | – | 13th of 254 | 44th of 3,063 |
| Winter storms | 42 | 0 | $817K | 5th of 254 | 1036th of 3,077 |
| Floods | 24 | 0 | $8K | 54th of 254 | 1051st of 3,080 |
| Tornadoes | 17 | 0 | $3.2M | 41st of 254 | 513th of 3,080 |
| Extreme cold | 8 | 0 | $41K | 15th of 254 | 870th of 3,076 |
| Wildfires | 3 | 0 | $295K | 68th of 254 | 387th of 2,972 |
| High wind and dust storms | 1 | 0 | – | 133rd of 254 | 2771st of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | $137K | 46th of 254 | 797th of 1,849 |
| Lightning | 1 | 0 | $26K | 72nd of 254 | 1509th 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 Franklin County record: every hazard by year and month, the deadliest events and FEMA's declarations.