Grayson County, Texas: hazard risk
FEMA rates Grayson County's overall risk Relatively Low (score 80.3 of 100, higher than 80% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by tornado, ice storm. Its storm record holds 1,300 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 |
|---|---|---|---|
| Tornado | Relatively High | 92.9 | $9.2M |
| Ice Storm | Relatively High | 91.6 | $1.1M |
| Hail | Relatively Moderate | 93.4 | $2.3M |
| Heat Wave | Relatively Moderate | 92.7 | $4.0M |
| Cold Wave | Relatively Moderate | 82.2 | $4.2M |
| Riverine Flooding | Relatively Moderate | 79.5 | $19M |
| Strong Wind | Relatively Moderate | 55.7 | $644K |
| Wildfire | Relatively Low | 86.0 | $775K |
| Earthquake | Relatively Low | 66.7 | $662K |
| Winter Weather | Relatively Low | 57.0 | $82K |
| Lightning | Relatively Low | 56.2 | $291K |
| Drought | Relatively Low | 47.7 | $125K |
| Landslide | Very Low | 60.9 | $3K |
| Hurricane | Very Low | 53.3 | $103K |
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 | 486 | 0 | $57M | 23rd of 254 | 233rd of 3,080 |
| Severe thunderstorm wind | 388 | 1 | $5.6M | 26th of 254 | 1068th of 3,080 |
| Floods | 118 | 5 | $34M | 45th of 254 | 984th of 3,080 |
| Drought | 76 | 0 | $2.9M | 120th of 254 | 474th of 3,063 |
| Tornadoes | 72 | 3 | $44M | 42nd of 254 | 519th of 3,080 |
| Winter storms | 56 | 2 | $11M | 60th of 254 | 2234th of 3,077 |
| Heat | 54 | 0 | – | 59th of 254 | 476th of 3,076 |
| Lightning | 15 | 1 | $630K | 15th of 254 | 487th of 3,080 |
| High wind and dust storms | 13 | 0 | $785K | 75th of 254 | 2177th of 3,080 |
| Extreme cold | 8 | 0 | $4.1M | 84th of 254 | 1907th of 3,076 |
| Heavy rain | 7 | 1 | – | 37th of 254 | 1071st of 3,080 |
| Wildfires | 6 | 0 | $608K | 75th of 254 | 414th of 2,972 |
| Hurricanes and tropical storms | 1 | 0 | $7K | 110th of 254 | 1029th 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 Grayson County record: every hazard by year and month, the deadliest events and FEMA's declarations.