Hall County, Texas: hazard risk
FEMA rates Hall County's overall risk Very Low (score 34.6 of 100, higher than 34% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by drought. Its storm record holds 725 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 | 98.8 | $4.4M |
| Hail | Relatively Moderate | 79.0 | $502K |
| Strong Wind | Relatively Moderate | 75.9 | $689K |
| Wildfire | Relatively Low | 74.4 | $150K |
| Ice Storm | Relatively Low | 49.2 | $50K |
| Winter Weather | Relatively Low | 43.0 | $31K |
| Tornado | Relatively Low | 31.7 | $339K |
| Heat Wave | Very Low | 24.3 | $55K |
| Hurricane | Very Low | 19.1 | $3K |
| Earthquake | Very Low | 17.7 | $14K |
| Cold Wave | Very Low | 13.5 | $78K |
| Lightning | Very Low | 7.9 | $15K |
| Landslide | Very Low | 6.9 | $8 |
| Riverine Flooding | Very Low | 3.8 | $350K |
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 | 253 | 0 | $3.8M | 51st of 254 | 514th of 3,080 |
| Severe thunderstorm wind | 154 | 0 | $5.6M | 79th of 254 | 1977th of 3,080 |
| Drought | 85 | 0 | $90M | 82nd of 254 | 326th of 3,063 |
| High wind and dust storms | 83 | 0 | $1.6M | 16th of 254 | 405th of 3,080 |
| Winter storms | 65 | 0 | $285K | 24th of 254 | 1901st of 3,077 |
| Tornadoes | 55 | 1 | $2.0M | 60th of 254 | 651st of 3,080 |
| Floods | 16 | 0 | $7.6M | 209th of 254 | 2452nd of 3,080 |
| Heavy rain | 8 | 0 | $271K | 30th of 254 | 1022nd of 3,080 |
| Extreme cold | 3 | 0 | – | 175th of 254 | 2482nd of 3,076 |
| Heat | 2 | 0 | $137K | 163rd of 254 | 2155th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Hall County record: every hazard by year and month, the deadliest events and FEMA's declarations.