Gray County, Texas: hazard risk
FEMA rates Gray County's overall risk Relatively Low (score 59.9 of 100, higher than 59% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by drought, winter weather. Its storm record holds 1,179 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 | 97.8 | $3.8M |
| Winter Weather | Relatively High | 89.8 | $350K |
| Wildfire | Relatively Moderate | 93.7 | $2.2M |
| Hail | Relatively Moderate | 93.3 | $2.0M |
| Ice Storm | Relatively Moderate | 79.0 | $326K |
| Tornado | Relatively Moderate | 76.8 | $2.9M |
| Cold Wave | Relatively Moderate | 76.2 | $2.5M |
| Strong Wind | Relatively Moderate | 75.6 | $984K |
| Lightning | Relatively Moderate | 74.1 | $503K |
| Earthquake | Very Low | 45.7 | $189K |
| Hurricane | Very Low | 27.0 | $10K |
| Riverine Flooding | Very Low | 24.6 | $2.5M |
| Heat Wave | Very Low | 23.4 | $73K |
| Landslide | Very Low | 4.4 | $5 |
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 | 493 | 0 | $1.8M | 22nd of 254 | 207th of 3,080 |
| Severe thunderstorm wind | 253 | 0 | $2.5M | 63rd of 254 | 1776th of 3,080 |
| High wind and dust storms | 144 | 0 | $36K | 15th of 254 | 388th of 3,080 |
| Tornadoes | 87 | 2 | $116M | 24th of 254 | 298th of 3,080 |
| Drought | 61 | 0 | $130M | 162nd of 254 | 676th of 3,063 |
| Winter storms | 59 | 1 | $1.5M | 40th of 254 | 2071st of 3,077 |
| Wildfires | 27 | 15 | $56M | 9th of 254 | 93rd of 2,972 |
| Extreme cold | 20 | 0 | – | 28th of 254 | 1121st of 3,076 |
| Floods | 17 | 0 | $12K | 213th of 254 | 2477th of 3,080 |
| Heavy rain | 3 | 0 | – | 91st of 254 | 1610th of 3,080 |
| Lightning | 1 | 1 | – | 139th of 254 | 2225th 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 Gray County record: every hazard by year and month, the deadliest events and FEMA's declarations.